Integrated life planning method and systems and products for implementation

ABSTRACT

A method for facilitating final estate planning comprises gathering data in response to a series of questions organized into four points of estate planning, which are (1) client assets, (2) client fiscal and human/pet care responsibilities (i.e. creditors, children, spouse, employers and others that are dependent upon the client), (3) desired disposition of the client&#39;s body before (e.g., assisted living, hospice, palliative care, life support) and after death (corporal disposition), and (4) funding arrangements and documentation for asset disposition to cover fiscal, human/pet care responsibilities, living body and subsequent remains disposition, and to carry out the client&#39;s other wishes. A system for performing the method includes a computer program that is preferably accessible via an internet web site. A unique identification card, known as a denicard™, is provided which includes information for accessing the bearer&#39;s or owner&#39;s end of life (EOL) plans and data that is stored in a database accessible via a the web site or a designated entity, wherein the stored data is generated by the system when the FEP method was performed. Numerous variations of FEP and EOL planning methods and systems and products for implementation are described. These can be incorporated into a total life plan.

[0001] This application claims priority from U.S. Provisional PatentApplication Serial No. 60/242,283, filed Oct. 20, 2000.

REFERENCE TO COMPUTER PROGRAM LISTINGS SUBMITTED ON COMPACT DISK

[0002] A compact disk appendix is included containing computer programcode listings pursuant to 37 C.F.R. §1.52(e) and is hereby incorporatedby reference. The compact disk contains program code files in ASCIIformat as well as graphic image files in binary format. The graphicimage and document files are submitted as place holders for referenceswithin the ASCII code listings to indicate to one of ordinary skill inthe art where to substitute suitable graphic images. One of ordinaryskill in the art will appreciate that the contents of the graphic imagefiles is not necessary to the operation of the disclosed embodiments.The total number of compact disks is one (1) and the files included onthe compact disk are as follows. File CD DIRECTORY Type Size Dated Filename Volume Serial Number is D0F0-6884 DENI_W˜5 <DIR> 10-08-01deni_website README˜8 DOC 77,312 10-08-01 ReadMe_Copyright.doc 1 file(s)77,312 bytes CF <DIR> 10-08-01 cf DB <DIR> 10-08-01 db ONLINE˜9 <DIR>10-08-01 Online Memorial WWW <DIR> 10-08-01 www 0 file(s) 0 bytesDirectory of cf ACCOUNTS <DIR> 10-08-01 accounts ADBANNER CFM 1,65510-08-01 Adbanner.cfm ADD_B˜10 CFM 18,830 10-08-01Add_Birth_Certificate.cfm ADD_B˜12 CFM 14,819 10-08-01Add_Birth_Records.cfm ADD_E˜14 CFM 20,644 10-08-01Add_Emergency_Contact.cfm ADD_F˜16 CFM 17,579 10-08-01Add_Family_History.cfm ADD_M˜18 CFM 18,871 10-08-01Add_Marriage_Certificate.cfm ADD_S˜20 CFM 18,936 10-08-01Add_Spouse_Death_Certificate.cfm ADD_V˜22 CFM 33,381 10-08-01Add_Vendor_Company_Info.cfm ADD_V˜24 CFM 13,724 10-08-01Add_Vendor_Contact_Info.cfm ADD_V˜26 CFM 15,273 10-08-01Add_Vendor_Login_Info.cfm AFFIL˜30 CFM 14,631 10-08-01Affiliate_Program.cfm ASSETS CFM 27,578 10-08-01 Assets.cfm AUTHE˜34 CFM601 10-08-01 Authenticate.cfm AUTHE˜36 CFM 579 10-08-01Authenticate_Vendor.cfm BIRTH˜11 <DIR> 10-08-01 birth_certificatesBIRTH˜42 CFM 18,788 10-08-01 Birth_Records.cfm BUSIN˜44 CFM 15,11210-08-01 Business_Detail.cfm BUSIN˜46 CFM 15,097 10-08-01Business_Detail2.cfm CAR_P˜13 <DIR> 10-08-01 car_photos CCARD˜50 CFM1,506 10-08-01 Ccard_Process.cfm CCARD˜52 CFM 1,380 10-08-01Ccard_Process_Good.cfm CCFORM CFM 18,476 10-08-01 Ccform.cfm COLUMNS CFM644 10-08-01 Columns.cfm COLUMNS2 CFM 644 10-08-01 Columns2.cfm COLUMNS3CFM 644 10-08-01 Columns3.cfm COLUMNS4 CFM 644 10-08-01 Columns4.cfmCOLDMNS5 CFM 644 10-08-01 Columns5.cfm COLDMNS6 CFM 644 10-08-01Columns6.cfm COLUMNS7 CFM 644 10-08-01 Columns7.cfm COLUMNS8 CFM 64410-08-01 Columns8.cfm COLUMNS9 CFM 644 10-08-01 Columns9.cfm COMPA˜74CEM 19,212 10-08-01 Company_Info.cfm CONTA˜76 CFM 20,681 10-08-01Contact_Info.cfm CORPO˜15 <DIR> 10-08-01 corporate_assets CUSTO˜80 CFM5,524 10-08-01 Customer_Service.cfm CUSTO˜82 HTM 5,524 10-08-01Customer_Service.html CUSTO˜84 CFM 16,739 10-08-01 Customer_Welcome.cfmDEBTS <DIR> 10-08-01 debts DELET˜88 CFM 15,286 10-08-01Delete_Birth_Certificate.cfm DELET˜90 CFM 16,344 10-08-01Delete_Emergency_Contact.cfm DELET˜92 CFM 15,315 10-08-01Delete_Marriage_Certificate.cfm DELET˜94 CFM 15,345 10-08-01Delete_Spouse_Death_Certificate.cfm DEPEN˜19 <DIR> 10-08-01 dependentsDETAIL CFM 19,800 10-08-01 Detail.cfm DISCH˜21 <DIR> 10-08-01discharge_papers DOCU˜102 CFM 30,897 10-08-01 Documents.cfm EDIT˜104 HTM139 10-08-01 Edit1.html EDIT˜108 CFM 19,494 10-08-01Edit_Birth_Certificate.cfm EDIT˜110 CFM 22,706 10-08-01Edit_Emergency_Contact.cfm EDIT˜112 CFM 19,555 10-08-01Edit_Marriage_Certificate.cfm EDIT˜114 CFM 19,671 10-08-01Edit_Spouse_Death_Certificate.cfm EMAI˜116 CFM 12,367 10-08-01Email_List.cfm EMCHK CFM 552 10-08-01 Emchk.cfm EMER˜120 CFM 18,21410-08-01 Emergency_Contacts.cfm ENDO˜122 CFM 18,667 10-08-01Endoflife.cfm ENHA˜124 CFM 3,677 10-08-01 Enhanced_Listing_Benefits.cfmEQUIT˜23 <DIR> 10-08-01 equity_accounts FAMI˜128 CFM 21,861 10-08-01Family_History.cfm FUNER˜25 <DIR> 10-08-01 funeral_arrangements FURNI˜27<DIR> 10-08-01 furniture FURNI˜29 <DIR> 10-08-01 furniture_photosHM_A˜136 Js 8,850 10-08-01 Hm_Arrays.js HM_L˜138 Js 2,772 10-08-01Hm_Loader.js HM_S˜140 JPG 29,020 10-08-01 Hm_Scriptdom.js HM_S˜142 JPG28,254 10-08-01 Hm_Scriptie4.js HM_S˜144 JPG 24,468 10-08-01Hm_Scriptns4.js INDE˜146 HTM 13,886 10-08-01 Index.html INSUR˜31 <DIR>10-08-01 insurace_certificates INSUR˜33 <DIR> 10-08-01 insurance ISEMAILCFM 5,848 10-08-01 Isemail.cfm JEWELRY <DIR> 10-08-01 jewelry JEWEL˜37<DIR> 10-08-01 jewelry_photos KIT <DIR> 10-08-01 kit LIVIN˜41 <DIR>10-08-01 living_memorial LIVI˜162 CFM 19,821 10-08-01 Living_Trust.cfmLIVIN˜43 <DIR> 10-08-01 living_will LIVI˜166 CFM 12,740 10-08-01Living_Trust_Form.cfm LIVIN˜45 <DIR> 10-08-01 living_will2 LOGI˜170 CFM18,735 10-08-01 Login_Info.cfm MARRI˜47 <DIR> 10-08-01marriage_certificates MEDIC˜49 <DIR> 10-08-01 medical_history MEMB˜176CFM 15,921 10-08-01 Member_Login.cfm MEMB˜178 CFM 33,381 10-08-01Member_Signup.cfm MEMOR˜51 <DIR> 10-08-01 memorial_photos MILIT˜53 <DIR>10-08-01 military_service MOTOR˜55 <DIR> 10-08-01 motor_vehiclesOBLI˜186 CFM 16,750 10-08-01 Obligations.cfm OCCU˜188 CFM 17,71810-08-01 Occupation.cfm PAYM˜190 CFM 15,623 10-08-01Payment_Confirmation.cfm PAYM˜192 CFM 28,092 10-08-01 Payment_Form.cfmPAYM˜194 CFM 19,054 10-08-01 Payment_Form2.cfm PAYM˜196 CFM 34,43810-08-01 Payment_Form3.cfm PERSO˜57 <DIR> 10-08-01 personal_propertyPERSO˜59 <DIR> 10-08-01 personal_property_photos PERSO˜61 <DIR> 10-08-01personally_held_stocks PETS <DIR> 10-08-01 pets PINK_˜65 <DIR> 10-08-01pink_slips PRIN˜208 CFM 5,586 10-08-01 Print_Document.cfm REDIRECT CFM160 10-08-01 Redirect.cfm REGI˜212 CFM 668 10-08-01Registration_Complete.cfm RESO˜214 HTM 9,950 10-08-01Resource_Locator.html RESU˜216 CFM 5,111 10-08-01 Resultpages.cfmRETIR˜67 <DIR> 10-08-01 retirement_accounts ROWS CFM 755 10-08-01Rows.cfm SAFET˜69 <DIR> 10-08-01 safety_deposit_boxes SEARCH CFM 13,21910-08-01 Search.cfm SEAR˜226 CFM 2,477 10-08-01 Search_Data.cfm SERV˜228CFM 15,554 10-08-01 Service_Providers.cfm SERV˜230 HTM 15,554 10-08-01Service_Providers.html SIDE˜232 CFM 3,761 10-08-01 Side_Menu.cfmSIGN˜234 CFM 22,369 10-08-01 Signup_Answers.cfm SIGN˜236 CFM 15,03410-08-01 Signup_Questions.cfm SPEC˜240 CFM 33,501 10-08-01Special_Payment_Form.cfm SPOUS˜71 <DIR> 10-08-01spouse_death_certificates TEST˜244 HTM 3,820 10-08-01 Test2.htmlTEST˜246 HTM 5,764 10-08-01 Test.html TISSU˜73 <DIR> 10-08-01tissue_donations UPDA˜250 CFM 15,522 10-08-01 Update_Vendor_Program2.cfmUPDA˜252 CFM 16,859 10-08-01 Update_Vendor_Login_Info.cfm UPDA˜254 CFM852 10-08-01 Update_Vendor2.cfm UPDA˜256 CFM 34,254 10-08-01Update_Vendor_Program.cfm UPDA˜258 CFM 852 10-08-01 Update_Vendor3.cfmUPDA˜260 CFM 1,522 10-08-01 Update_Listing_Ccard_Process.cfm UPDA˜262CFM 14,637 10-08-01 Update_Listing_Order_Confirmation.cfm UPDA˜264 CFM39,352 10-08-01 Update_Vendor_Company_Info.cfm UPDA˜266 CFM 18,25610-08-01 Update_Vendor_Contact_Info.cfm VEND˜268 CFM 35,439 10-08-01Vendor_Offered_Services.cfm VEND˜270 CFM 16,859 10-08-01Vendor_Login.cfm VEND˜272 CFM 13,754 10-08-01 Vendor_Search2.cfmVEND˜274 CFM 17,748 10-08-01 Vendor_Details.cfm VEND˜276 CFM 13,40410-08-01 Vendor_Resources.cfm VEND˜278 CFM 14,026 10-08-01Vendor_Search.cfm VEND˜280 CFM 13,404 10-08-01 Vendor_Report.cfmVEND˜282 CFM 38,715 10-08-01 Vendor_Signup.cfm VEND˜284 CFM 18,83910-08-01 Vendor_Login_Info.cfm VEND˜286 CFM 19,678 10-08-01Vendor_Billing_Info.cfm VEND˜288 CFM 18,186 10-08-01Vendor_Contact_Info.cfm VEND˜290 CFM 17,623 10-08-01 Vendor_Detail.cfmVEND˜292 CFM 13,418 10-08-01 Vendor_Detail_Listing.cfm 108 file(s)1,522,679 bytes Directory of cf\accounts ADBANNER CFM 1,658 10-08-01Adbanner.cfm ADD CFM 24,154 10-08-01 Add.cfm DELETE CFM 17,977 10-08-01Delete.cfm EDIT CFM 25,168 10-08-01 Edit.cfm HM_LO˜14 Js 2,772 10-08-01Hm_Loader.js HM_SC˜16 Js 29,020 10-08-01 Hm_Scriptdom.js HM_SC˜18 Js28,254 10-08-01 Hm_Scriptie4.js HM_SC˜20 Js 24,468 10-08-01Hm_Scriptns4.js PRINT˜22 CFM 6,972 10-08-01 Print_Document.cfm RESULTSCFM 20,122 10-08-01 Results.cfm 10 file(s) 180,565 bytes Directory ofcf\birth_(—) certificates ACF1558 PDF 81,814 10-08-01 Acf1558.pdfACF2154 PDF 81,814 10-08-01 Acf2154.pdf ACF2157 PDF 81,814 10-08-01Acf2157.pdf ACF30F2 PDF 81,814 10-08-01 Acf30f2.pdf ACF3331 PDF 81,81410-08-01 Acf3331.pdf ACF657 PDF 81,814 10-08-01 Acf657.pdf ACFBB PDF81,814 10-08-01 Acfbb.pdf ACFBE PDF 81,814 10-08-01 Acfbe.pdf AK854˜22JPG 35,686 10-08-01 Ak8549-001.jpg NEW JPG 3,858 10-08-01 New.jpgUNKNOWN PDF 81,814 10-08-01 Unknown.pdf 11 file(s) 775,870 bytesDirectory of cf\car_photos 3TRUCKS JPG 35,700 10-08-01 3trucks.jpg3TRUCKS2 JPG 98,206 10-08-01 3trucks2.jpg AT329˜10 JPG 26,090 10-08-01At3298-001.jpg TRUCK JPG 98,206 10-08-01 Truck.jpg 4 file(s) 258,202bytes Directory of cf\corporate_(—) assets ADBANNER CFM 1,658 10-08-01Adbanner.cfm ADD CFM 23,580 10-08-01 Add.cfm DELETE CFM 17,868 10-08-01Delete.cfm EDIT CFM 24,506 10-08-01 Edit.cfm HM_AR˜14 js 8,850 10-08-01Hm_Arrays.js HM_LO˜16 js 2,772 10-08-01 Hm_Loader.js HM_SC˜18 JPG 29,02010-08-01 Hm_Scriptdom.js HM_SC˜20 JPG 28,254 10-08-01 Hm_Scriptie4.jsHM_SC˜22 JPG 24,468 10-08-01 Hm_Scriptns4.js PRINT˜24 CFM 6,682 10-08-01Print_Document.cfm RESULTS CFM 19,801 10-08-01 Results.cfm 11 file(s)187,459 bytes Directory of cf\debts ADBANNER CFM 1,658 10-08-01Adbanner.cfm ADD CFM 25,325 10-08-01 Add.cfm ADD_D˜10 CFM 22,83010-08-01 Add_Debtor.cfm DELETE CFM 15,597 10-08-01 Delete.cfm EDIT CFM29,553 10-08-01 Edit.cfm HM_LO˜16 js 2,772 10-08-01 Hm_Loader.jsHM_SC˜18 JPG 29,020 10-08-01 Hm_Scriptdom.js HM_SC˜20 JPG 28,25410-08-01 Hm_Scriptie4.js HM_SC˜22 JPG 24,468 10-08-01 Hm_Scriptns4.jsPRINT˜24 CFM 9,482 10-08-01 Print_Document.cfm RESULTS CFM 20,22410-08-01 Results.cfm 11 file(s) 209,183 bytes Directory of cf\dependentsADBANNER CFM 1,658 10-08-01 Adbanner.cfm ADD CFM 20,226 10-08-01 Add.cfmADD_D˜10 CFM 22,830 10-08-01 Add_Debtor.cfm ADD_PDF CFM 19,621 10-08-01Add_Pdf.cfm DELETE CFM 15,489 10-08-01 Delete.cfm DELET˜16 CFM 15,37410-08-01 Delete_Pdf.cfm EDIT CFM 20,250 10-08-01 Edit.cfm EDIT_PDF CFM19,653 10-08-01 Edit_Pdf.cfm HM_AR˜22 js 8,850 10-08-01 Hm_Arrays.jsHM_LO˜24 js 2,772 10-08-01 Hm_Loader.js HM_SC˜26 JPG 29,020 10-08-01Hm_Scriptdom.js HM_SC˜28 JPG 28,254 10-08-01 Hm_Scriptie4.js HM_SC˜30JPG 24,468 10-08-01 Hm_Scriptns4.js PRINT˜32 CFM 6,350 10-08-01Print_Document.cfm RESULTS CFM 17,335 10-08-01 Results.cfm 15 file(s)252,150 bytes Directory of cf\discharge_(—) papers ACF23D4 PDF 81,81410-08-01 Acf23d4.pdf ACF6B9 PDF 81,814 10-08-01 Acf6b9.pdf ACF6BC PDF81,814 10-08-01 Acf6bc.pdf UNKNOWN PDF 81,814 10-08-01 Unknown.pdf 4file(s) 327,256 bytes Directory of cf\equity_(—) accounts ADBANNER CFM1,658 10-08-01 Adbanner.cfm ADD CFM 24,719 10-08-01 Add.cfm DELETE CFM17,515 10-08-01 Delete.cfm EDIT CFM 25,284 10-08-01 Edit.cfm HM_AR˜14 js8,850 10-08-01 Hm_Arrays.js HM_LO˜16 js 2,772 10-08-01 Hm_Loader.jsHM_SC˜18 JPG 29,020 10-08-01 Hm_Scriptdom.js HM_SC˜20 JPG 28,25410-08-01 Hm_Scriptie4.js HM_SC˜22 JPG 24,468 10-08-01 Hm_Scriptns4.jsPRINT˜24 CFM 6,770 10-08-01 Print_Document.cfm RESULTS CFM 19,75410-08-01 Results.cfm 11 file(s) 189,064 bytes Directory ofcf\funeral_(—) arrangements ADBANNER CFM 1,658 10-08-01 Adbanner.cfm ADDCFM 3,257 10-08-01 Add.cfm ADD_C˜10 CFM 15,433 10-08-01 Add_Cemetery.cfmADD_F˜12 CFM 15,481 10-08-01 Add_Funeral_Home.cfm ADD_R˜14 CFM 20,96910-08-01 Add_Responsible_Party.cfm ADD_V˜16 CFM 15,436 10-08-01AddVendor.cfm DELETE CFM 15,113 10-08-01 Delete.cfm EDIT CFM 36,97810-08-01 Edit.cfm FIND_˜22 CFM 17,951 10-08-01 Find_Cemetery.cfmFIND_˜24 CFM 17,945 10-08-01 Find_Funeral_Home.cfm FIND_˜26 CFM 27,98510-08-01 Find_Step3_Vendor.cfm FIND_˜28 CFM 29,715 10-08-01Find_Step4_Vendor.cfm FIND_˜30 CFM 31,228 10-08-01 Find_Step5_Vendor.cfmFIND_˜32 CFM 17,947 10-08-01 Find_Vendor.cfm HM_AR˜34 js 8,850 10-08-01Hm_Arrays.js HM_LO˜36 js 2,772 10-08-01 Hm_loader.js HM_SC˜38 JPG 29,02010-08-01 Hm_Scriptdom.js HM_SC˜40 JPG 28,254 10-08-01 Hm_Scriptie4.jsHM_SC˜42 JPG 24,468 10-08-01 Hm_Scriptns4.js PRINT˜44 CFM 16,75610-08-01 Print_Document.cfm RESULTS CFM 27,577 10-08-01 Results.cfmRESUL˜48 CFM 5,111 10-08-01 Resultpages.cfm REVIE˜50 CFM 4,463 10-08-01Review_Record.cfm ROWS CFM 755 10-08-01 Rows.cfm STEP1 CFM 16,29910-08-01 Step1.cfm STEP10 CFM 17,269 10-08-01 Step10.cfm STEP2 CFM16,897 10-08-01 Step2.cfm STEP3 CFM 18,575 10-08-01 Step3.cfm STEP4 CFM19,367 10-08-01 Step4.cfm STEP5 CFM 21,136 10-08-01 Step5.cfm STEP6 CFM20,179 10-08-01 Step6.cfm STEP7 CFM 27,982 10-08-01 Step7.cfm STEP8 CFM18,860 10-08-01 Step8.cfm STEP9 CFM 17,394 10-08-01 Step9.cfm VENDO˜74CFM 18,599 10-08-01 Vendor_Details.cfm VENDO˜76 CFM 19,906 10-08-01Vendor_Details2.cfm VENDO˜78 CFM 19,478 10-08-01 Vendor_Details3.cfm 37file(s) 667,063 bytes Directory of cf\furniture ADBANNER CFM 1,65810-08-01 Adbanner.cfm ADD CFM 21,687 10-08-01 Add.cfm ADD_PIX CFM 21,40610-08-01 Add_Pix.cfm DELETE CFM 17,490 10-08-01 Delete.cfm DELET˜14 CFM17,536 10-08-01 Delete_Pix.cfm EDIT CFM 22,588 10-08-01 Edit.cfmEDIT_PIX CFM 21,849 10-08-01 Edit_Pix.cfm HM_AR˜20 js 8,850 10-08-01Hm_Arrays.js HM_LO˜22 js 2,772 10-08-01 Hm_Loader.js HM_SC˜24 JPG 29,02010-08-01 Hm_Scriptdom.js HM_SC˜26 JPG 28,254 10-08-01 Hm_Scriptie4.jsHM_SC˜28 JPG 24,468 10-08-01 Hm_Scriptns4.js PRINT˜30 CFM 6,419 10-08-01Print_Document.cfm RESULTS CFM 19,702 10-08-01 Results.cfm 14 file(s)243,699 bytes Directory of cf\furniture_(—) photos AB36163 JPG 114,15010-08-01 Ab36163.jpg AK8946˜8 JPG 75,589 10-08-01 Ak8946-001.jpg 2file(s) 189,739 bytes Directory of cf\insurace_(—) certificates ACF11D0PDF 81,814 10-08-01 Acf11d0.pdf ACF20B3 PDF 81,814 10-08-01 Acf20b3.pdfUNKNOWN PDF 81,814 10-08-01 Unknown.pdf 3 file(s) 245,442 bytesDirectory of cf\insurance ADBANNER CFM 1,658 10-08-01 Adbanner.cfm ADDCFM 35,022 10-08-01 Add.cfm ADD_B˜10 CFM 24,338 10-08-01Add_Beneficiary.cfm ADD_PDF CFM 21,851 10-08-01 Add_Pdf.cfm DELETE CFM17,966 10-08-01 Delete.cfm DELET˜16 CFM 16,633 10-08-01 Delete_Pdf.cfmEDIT CFM 33,563 10-08-01 Edit.cfm EDIT_PDF CFM 22,005 10-08-01Edit_Pdf.cfm HM_AR˜22 js 8,850 10-08-01 Hm_Arrays.js HM_LO˜24 js 2,77210-08-01 Hm_Loader.js HM_SC˜26 JPG 29,020 10-08-01 Hm_Scriptdom.jsHM_SC˜28 JPG 28,254 10-08-01 Hm_Scriptie4.js HM_SC˜30 JPG 24,46810-08-01 Hm_Scriptns4.js PRINT˜32 CFM 10,432 10-08-01 Print_Document.cfmRESULTS CFM 23,406 10-08-01 Results.cfm 15 file(s) 300,238 bytesDirectory of cf\jewelry ADBANNER CFM 1,658 10-08-01 Adbanner.cfm ADD CFM21,460 10-08-01 Add.cfm ADD_PIX CFM 21,330 10-08-01 Add_Pix.cfm DELETECFM 17,558 10-08-01 Delete.cfm DELET˜14 CFM 17,515 10-08-01Delete_Pix.cfm EDIT CFM 22,284 10-08-01 Edit.cfm HM_AR˜18 js 8,85010-08-01 Hm_Arrays.js HM_LO˜20 js 2,772 10-08-01 Hm_Loader.js HM_SC˜22JPG 29,020 10-08-01 Hm_Scriptdom.js HM_SC˜24 JPG 28,254 10-08-01Hm_Scriptie4.js HM_SC˜26 JPG 24,468 10-08-01 Hm_Scriptns4.js PRINT˜28CFM 6,058 10-08-01 Print_Document.cfm RESULTS CFM 19,312 10-08-01Results.cfm 13 file(s) 220,539 bytes Directory of cf\jewelry_(—) photosAK8949˜6 JPG 71,210 10-08-01 Ak8949-001.jpg AR5467˜8 JPG 53,457 10-08-01Ar5467-001.jpg ROSES GIF 14,372 10-08-01 Roses.gif T105-˜12 JPG 132,28610-08-01 T105-multi.jpg 4 file(s) 271,325 bytes Directory of cf\kitORDER_˜6 CFM 38 10-08-01 Order_Form.cfm 1 file(s) 38 bytes Directory ofcf\living_(—) memorial ADBANNER CFM 1,658 10-08-01 Adbanner.cfm ADD CFM16,890 10-08-01 Add.cfm ADD_C˜10 CFM 15,431 10-08-01 Add_Cemetery.cfmADD_PIX CFM 19,163 10-08-01 Add_Pix.cfm ADD_R˜14 CFM 20,507 10-08-01Add_Responsible_Party.cfm COLUMNS CFM 639 10-08-01 Columns.cfm DELETECFM 15,111 10-08-01 Delete.cfm EDIT CFM 30,357 10-08-01 Edit.cfmFIND_˜22 CFM 17,949 10-08-01 Find_Cemetery.cfm HM_AR˜24 js 8,85010-08-01 Hm_Arrays.js HM_LO˜26 js 2,772 10-08-01 Hm_Loader.js HM_SC˜28JPG 29,020 10-08-01 Hm_Scriptdom.js HM_SC˜30 JPG 28,254 10-08-01Hm_Scriptie4.js HM_SC˜32 JPG 24,468 10-08-01 Hm_Scriptns4.js PHOTO˜38CFM 17,033 10-08-01 Photo_Album.cfm RESULTS CFM 24,302 10-08-01Results.cfm RESUL˜42 CFM 5,111 10-08-01 Resultpages.cfm REVIE˜44 CFM4,463 10-08-01 Review_Record.cfm ROWS CFM 755 10-08-01 Rows.cfm STEP1CFM 19,164 10-08-01 Step1.cfm STEP2 CFM 19,675 10-08-01 Step2.cfm STEP3CFM 23,420 10-08-01 Step3.cfm STEP4 CFM 23,962 10-08-01 Step4.cfm 23file(s) 368,954 bytes Directory of cf\living will ADBANNER CFM 1,65810-08-01 Adbanner.cfm ADD CFM 26,148 10-08-01 Add.cfm ADD_R˜10 CFM20,857 10-08-01 Add_Responsible_Party.cfm DELETE CFM 15,113 10-08-01Delete.cfm DENI_˜14 GIF 2,046 10-08-01 Deni_Logo_Living_Will.gif EDITCFM 40,148 10-08-01 Edit.cfm FUNER˜18 CFM 16,135 10-08-01Funeral_Arrangement.cfm HM_AR˜20 js 8,850 10-08-01 Hm_Arrays.js HM_LO˜22js 2,772 10-08-01 Hm_Loader.js HM_SC˜24 JPG 29,020 10-08-01Hm_Scriptdom.js HM_SC˜26 JPG 28,254 10-08-01 Hm_Scriptie4.js HM_SC˜28JPG 24,468 10-08-01 Hm_Scriptns4.js OLD_I˜30 HTM 14,178 10-08-01Old_Intro.html PRINT˜32 CFM 10,994 10-08-01 Print_Card.cfm PRINT˜34 CFM24,707 10-08-01 Print_Document.cfm RESULTS CFM 36,341 10-08-01Results.cfm STEP2 CFM 32,792 10-08-01 Step2.cfm 17 file(s) 334,481 bytesDirectory of cf\living_(—) will2 ADBANNER CFM 1,658 10-08-01Adbanner.cfm ADD CFM 29,111 10-08-01 Add.cfm ADD_R˜10 CFM 20,81510-08-01 Add_Responsible_Party.cfm CCARD˜12 CFM 1,496 10-08-01Ccard_Process.cfm DELETE CFM 15,071 10-08-01 Delete.cfm DENI_˜16 GIF2,046 10-08-01 Deni_Logo_Living_Will.gif EDIT CFM 40,106 10-08-01Edit.cfm FUNER˜20 CFM 16,093 10-08-01 Funeral_Arrangement.cfm HM_AR˜22js 8,850 10-08-01 Hm_Arrays.js HM_LO˜24 js 2,772 10-08-01 Hm_Loader.jsHM_SC˜26 JPG 29,020 10-08-01 Hm_Scriptdom.js HM_SC˜28 JPG 28,25410-08-01 Hm_Scriptie4.js HM_SC˜30 JPG 24,468 10-08-01 Hm_Scriptns4.jsPAYME˜32 CFM 15,484 10-08-01 Payment_Confirmation.cfm PRINT˜34 CFM10,952 10-08-01 Print_Card.cfm PRINT˜36 CFM 24,665 10-08-01Print_Document.cfm RESULTS CFM 36,299 10-08-01 Results.cfm STEP2 CFM32,750 10-08-01 Step2.cfm 18 file(s) 339,910 bytes Directory ofcf\marriage_(—) certificates ACF66E PDF 81,814 10-08-01 Acf66e.pdfAR3096˜8 JPG 22,254 10-08-01 Ar3096-002.jpg UNKNOWN PDF 81,814 10-08-01Unknown.pdf 3 file(s) 185,882 bytes Directory of cf\medical_(—) historyADBANNER CFM 1,658 10-08-01 Adbanner.cfm ADD CPM 24,193 10-08-01 Add.cfmDELETE CFM 15,112 10-08-01 Delete.cfm EDIT CFM 26,440 10-08-01 Edit.cfmHM_AR˜14 js 8,850 10-08-01 Hm_Arrays.js HM_LO˜16 js 2,772 10-08-01Hm_Loader.js HM_SC˜18 JPG 29,020 10-08-01 Hm_Scriptdom.js HM_SC˜20 JPG28,254 10-08-01 Hm_Scriptie4.js HM_SC˜22 JPG 24,468 10-08-01Hm_Scriptns4.js PRINT˜24 CFM 9,850 10-08-01 Print_Document.cfm RESULTSCFM 20,563 10-08-01 Results.cfm 11 file(s) 191,180 bytes Directory ofcf\memorial_(—) photos ACF533 JPG 53,457 10-08-01 Acf533.jpg ACF546 JPG53,457 10-08-01 Acf546.jpg ACF554 JPG 53,457 10-08-01 Acf554.jpg ACF556JPG 53,457 10-08-01 Acf556.jpg AK855˜14 JPG 27,985 10-08-01Ak8554-001.jpg AK893˜16 JPG 43,608 10-08-01 Ak8932-002.jpg AK894˜18 JPG71,210 10-08-01 Ak8949-001.jpg AR546˜20 JPG 53,457 10-08-01Ar5467-001.jpg BES_017 JPG 39,947 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21,77710-08-01 Add_Title.cfm DELETE CFM 17,586 10-08-01 Delete.cfm DELET˜18CFM 17,899 10-08-01 Delete_Pdf.cfm DELET˜20 CFM 17,876 10-08-01Delete_Pix.cfm EDIT CFM 30,036 10-08-01 Edit.cfm EDIT_PDF CFM 21,99510-08-01 Edit_Pdf.cfm EDIT_PIX CFM 22,002 10-08-01 Edit_Pix.cfm HM_AR˜28js 8,850 10-08-01 Hm_Arrays.js HM_LO˜30 js 2,772 10-08-01 Hm_Loader.jsHM_SC˜32 JPG 29,020 10-08-01 Hm_Scriptdom.js HM_SC˜34 JPG 28,25410-08-01 Hm_Scriptie4.js HM_SC˜36 JPG 24,468 10-08-01 Hm_Scriptns4.jsPRINT˜38 CFM 7,961 10-08-01 Print_Document.cfm RESULTS CFM 21,33910-08-01 Results.cfm 18 file(s) 343,479 bytes Directory ofcf\personal_(—) property ADBANNER CFM 1,658 10-08-01 Adbanner.cfm ADDCFM 27,129 10-08-01 Add.cfm ADD_PIX CFM 22,077 10-08-01 Add_Pix.cfmADD_T˜12 CFM 22,317 10-08-01 Add_Title.cfm DELETE CFM 16,708 10-08-01Delete.cfm DELET˜16 CFM 17,964 10-08-01 Delete_Pix.cfm EDIT CFM 28,28510-08-01 Edit.cfm EDIT_PIX CFM 21,194 10-08-01 Edit_Pix.cfm HM_AR˜22 js8,850 10-08-01 Hm_Arrays.js HM_LO˜24 js 2,772 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CFM 19,305 10-08-01 Add.cfmADD_R˜10 CFM 20,775 10-08-01 Add_Responsible_Party.cfm DELETE CFM 14,92910-08-01 Delete.cfm EDIT CFM 19,923 10-08-01 Edit.cfm HM_AR˜16 js 8,85010-08-01 Hm_Arrays.js HM_LO˜18 js 2,772 10-08-01 Hm_Loader.js HM_SC˜20JPG 29,020 10-08-01 Hm_Scriptdom.js HM_SC˜22 JPG 28,254 10-08-01Hm_Scriptie4.js HM_SC˜24 JPG 24,468 10-08-01 Hm_Scriptns4.js RESULTS CFM19,525 10-08-01 Results.cfm 11 file(s) 189,479 bytes Directory ofcf\pink_(—) slips ACF132 PDF 81,814 10-08-01 Acf132.pdf ACF1DF1 PDF81,814 10-08-01 Acf1df1.pdf ACF2081 PDF 81,814 10-08-01 Acf2081.pdfACF512 PDF 81,814 10-08-01 Acf512.pdf ACF51E PDF 81,814 10-08-01Acf51e.pdf ACF52F PDF 81,814 10-08-01 Acf52f.pdf UNKNOWN PDF 81,81410-08-01 Unknown.pdf 7 file(s) 572,698 bytes Directory ofcf\retirement_(—) accounts ADBANNER CFM 1,658 10-08-01 Adbanner.cfm ADDCFM 23,124 10-08-01 Add.cfm DELETE CFM 17,698 10-08-01 Delete.cfm EDITCFM 24,085 10-08-01 Edit.cfm HM_AR˜14 js 8,850 10-08-01 Hm_Arrays.jsHM_LO˜16 js 2,772 10-08-01 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COPYRIGHT NOTICE

[0003] A portion of the disclosure of this patent document containsmaterial that is subject to copyright protection. The copyright ownerhas no objection to the copying by anyone of the patent document or thepatent disclosure as they appear in the Patent and Trademark Officepatent file or records for reading only, but otherwise reserves allcopyright rights.

BACKGROUND OF THE INVENTION

[0004] Despite the certainty of death, few people are fully prepared forthe inevitable, or even for the possibility of a long-term debilitatingillness, by having adequate financial resources and other plans inplace. Some excuse this lack of preparation on their youth and goodhealth, yet sudden death or debilitating illness can befall anyone atanytime.

[0005] The present inventor believes that every individual should ask,if I were to die today:

[0006] 1. What are my assets and where are they?

[0007] 2. What are my responsibilities?

[0008] 3. What do I want done with my body in the event of my incapacityor death?

[0009] 4. How will my assets be applied to meet my responsibilities andplans?

[0010] Having sufficient information gathered together in an organizedfashion to provide an adequate answer to all of these questions is rare,yet much of the information sought by these questions is needed at thetime of incapacity or death. The details required to answer these broadquestions are so numerous and must be derived from such varied sourcesthat some details may be overlooked. Thus, even a conscientiousindividual desiring to make adequate end of life plans cannot do sowithout a “road map” of questions to guide them. Further, even to theextent information is stored in various places to answer some of thesequestions prior to incapacity or death in a comprehensive end of lifeplan, there is generally no means to organize the needed material or toimplement the plan.

[0011] Many individuals do have one or more insurance policies, but havenot made adequate plans to notify the beneficiaries of the existence ofthe policies or how to locate and benefit from them. In the event ofdebilitating illness, such policies may lapse due to a failure to paypremiums. Further, an analysis of the adequacy of the insurance coveragealong with other assets to cover all financial obligations in the eventof a debilitating illness or death is frequently absent.

[0012] Many individuals have drafted wills and made some end of lifefinancial plans via an attorney or financial planner, yet ignore howsuch wills or plans will be brought to the attention of the legaladvisor, trustee and/or beneficiaries at the appropriate time. There isoften no planned method for advising all that need to know of a person'sdeath or incapacity. Further, there are often no plans for assistedliving in the event individuals cannot fully care for themselves, and/orno plans for a funeral, burial, and other arrangements. Thus, in theevent of a debilitating illness or death, the bereaved family, friendsand/or associates of the ill or dead individual are forced to seek outnecessary information and make arrangements in a short period of timewhile their emotional state and exigent circumstances may affect theirobjectivity, rational thinking or ability to function.

[0013] There is a “death care” industry, comprising funeral homes,cemeteries, funeral planners, and providers of caskets, urns, monumentsand related materials. Some death care industry resources have begun touse the internet world wide web to advertise and sell their products,such as caskets and funeral planning. However, arranging services neededfrom death care industry resources is only a part of final estateplanning (“FEP”). A truly comprehensive final estate plan shouldincorporate resources from other resources to provide for all of theemotional, business and physical aspects associated with death anddying. The death care industry is not fully integrated with other FEPresources and industries.

[0014] Final estate planning may be incorporated into an end of life andeven broader total life planning process. End of life planning,otherwise referred to as EOLP, is a process that all individuals shouldgo through to plan for retirement, assisted living in the event of adebilitating illness, and for death. There are many disparate aspects toEOLP, which call upon various resources in various locations, such asthe death care industry, insurance industry, health care industry,financial and investment industries, legal advisors, estate planners,government programs, organ and tissue donor agencies, and griefcounseling. There is currently no EOLP system available to consumers toreadily integrate the various resources needed to create a comprehensiveend of life plan that reflects an individual's unique financialposition, obligations and desires. Since EOLP is a part of total lifeplanning, or LP, there are no comprehensive life planning system orcomputer programs available.

[0015] The world wide web has directories and sites for certainindustries and other resources that are needed for EOLP, for example,insurance products, estate planning, health care facilities, griefresources, church and clergy, senior services, and government programs.

[0016] For example, a program called Quicken® WillWriter 2001, availablefrom Intuit, Inc. of Mountain View, Calif., USA, helps a user createwills, trusts, powers of attorney, advance healthcare directives, andmemorial plans. However, there are numerous limitations to the program.Likewise, there are web sites that provide information or assistancewith portions of life planning. For example, home-organizer.com providesa program that permits a personal computer to be used as a virtualfiling cabinet for important documents. A similar program is availableat carethere.com for assessing caregiving needs and provides relatedhealthcare and financial information. At www.metlife.com, advice on avariety of insurance and other issues are provided in a Life Advice®Library, but it is not linked into a comprehensive interactive totallife or end of life planning program. There are also eldercare andmedical care web sites that provide information, planning or searchtools, such as elderlifeplanning.com, guideforlife.com,healthandage.com, and carepathways.com. However, these resources are notintegrated into an organized, comprehensive, interactive and readilyaccessible program and/or network to assist with total life planning,FEP or EOLP.

[0017] There is a need for total life (TL) and end of life planningmethods and technologies to facilitate implementation thereof that willassist individuals and professional planners to gather and updatenecessary information, integrate TL, FEP and/or EOLP resources, create acentral repository for individual asset records, facilitate users to setaside adequate financial assets and plans for meeting obligations,assisted living and end of life needs, arrange for corporal dispositionafter death, and carry out the desires of the individual. There is alsoa need for methods and products to ensure that TL (otherwise referred toas LP), FEP and/or EOLP plans are readily accessible to the individualor a party designated by the individual, such as an “informant,” toensure that TL, FEP and/or EOLP plans can be implemented with ease whenneeded, and to permit such plans and records to be readily updated toreflect changed circumstances. Further, there is a need for a commonsource for accessing information about and acquiring assistance from thevarious industries and professions required for integrated andcomprehensive TL, FEP and/or EOLP, such as but not limited to the deathcare industry, insurance industry, hospice or retirement home industry,and the legal profession. These and other needs are met by the presentinvention described in more detail below.

BRIEF SUMMARY OF THE INVENTION

[0018] In an embodiment, a total life planning interactive datagathering, storage and analysis program, and system is provided forgathering information regarding an individual's assets, financial andpersonal obligations, assisted living and corporal disposition desires,and arrangements for carrying out the disposition of assets to cover theindividual's obligations and desires. A core aspect of a total lifeplanning system includes an EOLP system, which includes a final estateplanning (FEP) system and program for implementation thereof. The totallife planning system is available in paper form via preprintedmaterials, or in a preferred embodiment is carried out via a computerprogram that can be run on a personal computer and/or accessed via theinternet. The software code to carry out the program can be stored in anelectronic storage medium, such as a hard drive, floppy disk, DVD, CD-Rand/or CD ROM. In an embodiment, a CD or DVD incorporating the programalso acts as a storage medium for collected TLP, EOLP and/or FEP data.In a preferred embodiment, the CD ROM or DVD is “wallet sized” and alsoserves as an ID card.

[0019] In a preferred embodiment, individual client information isgathered via an interactive LP computer program in operative connectionwith an internet web site, in which the program instructs the computerto provide the user with a checklist of information sought. Informationobtained in response to prompts or a hierarchical list ofinterrogatories is stored and accessible via a unique storage identitycode for the client, optionally protected by a password. In addition toor in place of a password, access to individual LP data may be protectedby biometric indicia, such as voiceprint, fingerprint, and retinal scan.Stored client data is accessible for updating by the client, the programprovider (hub operator), and in certain circumstances by resourcevendors, employers, and designated third parties. In an embodiment, anautomated system for facilitating multiparty interactions betweengeographically separated entities for EOLP and/or LP is provided. It isto be understood that the EOLP and FEP features of the present inventionmay be used independently or as part of total life planning (TLP or LP),and therefore, that EOLP and/or FEP descriptions herein are merelyexemplary and not limiting. Preferably, the assets, obligations andcorporal disposition desires of the client are automatically analyzed toidentify areas where assistance might be desirable and to suggest LPand/or EOLP options. For example, a staffed resource center can beprovided to handle information requests and referrals, and cancommunicate with program users via instant messaging, telephone and/orvideophone for example. In a preferred embodiment, at the client'soption, relevant vendor information is supplied to the client, and/orselected client and client need information is referred to particularvendors identified by the LP/EOLP program.

[0020] In an embodiment, the client is provided with an LP/EOLP ID card(denicard™) that includes their ID code, and a contact phone number.Preferably, the ID card and/or protective cover or sleeve for sameprominently includes instructions, such as “IN THE EVENT OF ILLNESS,INJURY OR DEATH, PLEASE CALL THE FOLLOWING PHONE NUMBER AND PROVIDE THEFOLLOWING ID CODE.” The denicard™ may comprise a DVD or CD that includesthe LP program and/or client data; if client data is stored thereon oraccessible by use of the card, it is preferably pass code protected orinclude biometric identifiers. In one embodiment, the phone number onthe denicard™ may be that of the LP/EOLP program service provider, or inthe alternative that of the “informant” or other contact requested.Depending on the contact number utilized, the provision of the ID Codeto the contact activates a confirmation procedure and/or computerprogram module or routine to ensure that the individual's end of lifeplan (“EOL plan”) should be implemented. In one embodiment, theconfirmation procedure involves access to a 24 hour, always staffed,contact center, which takes steps to confirm that the client is in needof EOL plan activation, and to ensure that the agent of the clientobligated to implement the client's EOL plan has confirmed receipt ofthe notice of the client's need. The same procedure can be followed forFEP and/or other LP aspects, for everything from anniversaryannouncements to zoo trips.

[0021] In another aspect, the denicard™ can include an electronic chipto store and update client information and interact with other datatransmission and processing equipment, and/or a magnetic strip or othercomputer readable media with updateable client information storedthereon can be included (i.e., the denicard™ may store insurance policyinformation, contact information, etc.). The denicard™ and/or optionalcover or sleeve can be formed of brightly colored plastic withwaterproof markings to gain the attention of a caregiver, police, orothers that search the client's possessions in the event of incapacityor death. In an embodiment, the denicard™ includes a ceramic or metalfire resistant ID tag, and/or an optional GPS locator. As noted above,the denicard™ may also comprise a DVD or CD disk that includes theLP/EOLP program, LP/EOLP data, and/or an internet access program foraccessing LP/EOLP data and/or resources. As used herein, the term lifeplanning (LP) incorporates EOLP and FEP and the term EOLP incorporatesFEP.

[0022] In another embodiment, the system of the present inventionprovides LP resource providers with a simple method of and system forintegrating their various offerings with that of other providers to bothgain access to more customers and to provide better service. In this waygeographically isolated and complementary LP vendors and resources canform a seamless network accessible (and locatable) via a click of acomputer mouse and via use of a variety of search terms, such as but notlimited to deni, deni.net, death, insurance, funeral, casket, burial,retirement, etc. In an embodiment, resource providers, or vendors, paythe program administrator to be listed (a one time and/or periodic fee)as a provider of particular resources on an internet site through whichthe LP program can be accessed or with the preprinted LP materials,and/or to have client referrals made automatically as the LP program isutilized or if a need is identified during use of the LP program. Thisbusiness-to-business (“B2B”) aspect of the present invention ispreferably accessible as a web application. In one aspect, vendors canbe sent client information and/or a vendor can update client informationstored by the program administrator for a product or service supplied bythe vendor, provided it is authorized by the particular client. Forexample, an insurance provider can access the LP program administratorweb site and stored client LP plan data to provide updated coveragelimits, changes to premiums and due dates, beneficiary information, orprovide notice that premiums are late or that the policy has beencancelled.

[0023] It is not necessary for the client to store all information withthe EOLP program administrator. For example, the location of aninsurance policy or a will document rather than the document text can bestored by the EOLP program provider. However, in an embodiment, scanneddocument images (i.e., insurance policies, wills, health directives suchas do-not-resuscitate (DNR) instructions, and medical histories, etc.),optionally with signature, are stored to facilitate implementation of anLP plan when needed. Further, audio and video recordings can be stored.For example, a digital photo and/or video inventory of personal propertyis made and stored (this would facilitate on line auctions of estateproperty to be liquidated).

[0024] A preferred program provider and administrator is deni™Resources, Inc., of Sunland, Calif. A preferred internet web site forthe integrated LP program of the present invention is deni.net, orhttp://www.deni.net (Deni, deni, deni.net, denicard, Deni Enterprises,and Deni Resources are all proprietary trademarks of Deni Resources,Inc., which reserves all rights thereto). Deni™ has developed aninteractive TLP/EOLP program, described herein, that helps clientscreate comprehensive TL/EOL plans, and which incorporates a final estateplanning (FEP) method and system that gathers, stores, and analyzes datain four categories, referred to as the four points of final estateplanning: Point 1: assets, such as personal property, real estate,retirement and other financial accounts, insurance policies, etc.; Point2: Obligations or responsibilities, such as debts to creditors,dependent children, pets, etc.; Point 3: Corporal disposition, includingdesires or arrangements for assisted living, funeral, burial, cremation,organ donation, etc.; and Point 4: Plans for applying the assetsidentified in Point 1 to the obligations of Point 2 and desires andplans of Point 3. The deni.net site is also a valuable informationsource for individuals seeking help with FEP and EOLP, and provides aworldwide forum and network for resource providers to showcase theirofferings to the public and to complementary resource providers. Thepresent invention provides a single readily accessible site for most ifnot all FEP, EOLP, and TLP needs. Use of the deni™ program also leads tobetter planning for all aspects of life and death, including but notlimited to child planning, college, retirement, vacations, housing, longterm care, and death. Hence, the methods and systems and products of thepresent invention are useful for whole life planning.

[0025] In one aspect, the LP method of the present invention involvestransformation of discrete LP data stored at or accessible from variouslocations into an organized format of data stored in labeled fields(whether in preprinted forms or electronically). A computer program andsystem is provided for acquiring, organizing, updating, analyzing andoutputting some or all of the data and for generating life plans, alongwith an optional method and system for implementing such plans, and forproviding assistance to the information provider to complete certaindata fields, such as fields requiring EOL data regarding insurance ordeath care providers. The system also optionally comprises a device foradvertising the existence of and how to access the data (e.g., thedenicard™). In an embodiment, one or more data fields are updateable byone or more geographically isolated operators (e.g., client, vendor, website operator, insurance policy or will beneficiary), with one or morefields optionally being automatically updatable via access to linkeddatabases. Thus, for example automated accounting and bill paying can beperformed with a bank account balance field value being reduced forpayments and increased for deposits, and insurance coverage limits andpremium fields automatically updated. The system optionally provides forautomated notification in the event that certain fields become invalidor require input from a user; for example, in the event that aninsurance policy beneficiary dies, and the beneficiary data field in thepolicy holder's data set is related to a corresponding field in anotherdata set linked to the beneficiary, a notice would be sent to theinsurance company and/or policy holder. Likewise, the beneficiary can beautomatically notified of the death of an individual listing them as abeneficiary. This can be accomplished by a relational database. Thus, byactivating an EOL plan, insurance benefits from linked insurancecompanies can be automatically paid to beneficiaries upon determiningthat conditions precedent to exercise of the policy are met.

[0026] The present invention will be better understood by the moredetailed description below including a description of a preferreddeni.net web site architecture and associated features and functions.

BRIEF DESCRIPTION OF THE DRAWINGS

[0027]FIG. 1 is a diagram of how the resources of various industriesthat provide funeral services and final estate planning are integratedby deni™ in a hub and spoke configuration.

[0028]FIG. 2 is a schematic block diagram overview of an embodiment ofan EOL/TL Planning System of the present invention, and the blocksrepresent software modules for carrying out the particular activitydescribed.

[0029] FIGS. 3-4 are schematic block diagram overviews of softwaremodules (flowcharts) for collecting and analyzing exemplary types ofdata associated with Point 1 of the Final Estate Planning System in theDeni™ interactive EOLP program embodiment of the present invention, aswell as for vendor referrals associated therewith, the specific types ofdata being, respectively, personal property/real estate, and insurancebenefits. Other software modules for jewelry, furniture, stocks andbonds, motor vehicles, accounts and monies, annuities, businessownership, possible future inheritances, and monies and assets nototherwise specifically requested may be present and operate similarlybut are not shown.

[0030] FIGS. 5-6 are schematic block diagram overviews of softwaremodules for collecting and analyzing exemplary types of data associatedwith Point 2 of the Final Estate Planning System in the Deni™interactive EOLP program embodiment of the present invention, as well asfor vendor referrals associated therewith, the specific types of databeing, respectively, debts, and dependent children. Other softwaremodules for power of attorney—caregiver arrangements and desires may bepresent and operate similarly but are not shown.

[0031] FIGS. 7-12 are schematic block diagram overviews of softwaremodules for collecting and analyzing exemplary types of data associatedwith Point 3 of the Final Estate Planning System in the Deniminteractive EOLP program embodiment of the present invention, as well asfor vendor referrals associated therewith, the specific types of databeing, respectively, living will/power of attorney, funeralpre-arrangements and/or desires, organ and tissue donation, medicalhistory, military benefits, living memorial. Other software modules suchas for long term care arrangements and/or desires may be present andoperate similarly but are not shown.

[0032]FIG. 13 is a schematic block diagram overview of software modulesfor collecting and analyzing exemplary types of data associated withPoint 4 of the Final Estate Planning System in the Denim interactiveEOLP program embodiment of the present invention, specificallyinformation associated with documenting and funding for obligations anddesires identified in Points 2 and 3.

[0033]FIG. 14 is a schematic block diagram overview of an embodiment ofa preferred web site architecture constructed in accordance with thepresent invention for carrying out inter alia the Final Estate PlanningSystem in the deni™ interactive EOLP program embodiment of the presentinvention, including linkages of various resource pages to the homepage.

[0034] FIGS. 15-22 are schematic overviews of the architectures oflinked web pages for various resources and other operational aspects ofan embodiment of the Final Estate Planning System in the deni™interactive EOLP program.

[0035] FIGS. 23-28 are exemplary screen shots generated from anexemplary program of the present invention running on the internet,specifically deni.net.

DETAILED DESCRIPTION OF THE INVENTION

[0036] In a preferred embodiment, a method and computer program, andsystems and products for implementation of same are provided thatfacilitate a final estate planning professional in evaluating a client'send of life plans and to diagnose and suggest solutions to anydeficiencies by asking a series of questions categorized into fourpoints of estate planning, which are (1) client assets, (2) clientfiscal and human/pet care responsibilities (i.e. creditors, children,spouse, employers and others that are dependent upon the client), (3)desired disposition of the client's body before (e.g., assisted living,hospice, palliative care, life support) and after death (corporaldisposition), and (4) funding arrangements and documentation for assetdisposition to cover fiscal, human/pet care responsibilities, livingbody and subsequent remains disposition, and to carry out the client'sother wishes. Preferably, this end of life planning is done as part ofpreparing a total life plan.

[0037] The present invention includes a method for preparing,maintaining, updating, and implementing end of life plans for clients,and comprises a data processing system and method for obtaining, storingand analyzing client information, as well as for linking clients withvendors, and vendors with vendors. The system provides a hub and spokeconfiguration in which clients and vendors form the spokes linked to theplanning and data storage hub.

[0038] In the absence of a client retaining a professional planner, thesystem and program of the present invention enable the client to gathernecessary data in a readily accessible and organized form thatfacilitates the client's end of life planning and total life planning,and maintains the information for third party use when needed. Byautomatically identifying weaknesses in a client's plans, or byproviding access to a variety of resources (i.e., via instant messaging,helpline, and/or resource locator), the system also permits clients toimprove their TL, EOL and final estate plans even if they do not retaina professional planner (although the program provides referrals to suchplanners, and recommends that plans prepared by the use of the system bereviewed by appropriate professionals).

[0039] In one embodiment, users of the FEP method are asked to answerquestions in the four categories (“points”) discussed above, preferablyposed by a computer, and their answers are stored and analyzed. For eachplanning element or subject matter, unique educational program modulesare provided to educate the user about the particular subject matter.The education modules may include FAQs (frequently asked questions),informative windows of information, interactive icons that automaticallypop up when a particular question is asked, a search function, andresource referrals. In the alternative, clients can answer the questionson preprinted forms. In this latter embodiment, however, it would bepreferred to enter the data from the forms into a computer.

[0040] In an alternative embodiment, an interactive program, including aquestionnaire categorized into the four points of final estate planningwill be accessible via an internet website. The questionnaire ispresented in the form of a final estate planning checklist, or FEPCL, inwhich unanswered or incompletely answered questions form a “to-do” listfor the client.

[0041] EOLP and/or FEP experts can review each client's data and “to-do”list, and determine what areas need improvement, and makerecommendations to the client to improve their EOL and/or final estateplans. In a preferred embodiment, missing information on the “to-do”list automatically causes a vendor referral via internet links. Forexample, if a client does not have sufficient insurance, such as life,health, or burial insurance, insurance vendor information canautomatically be supplied to the client. At the client's option, vendorscan be requested to directly contact the client, and optionally, thevendors can update the client's relevant information stored at the hubshould the vendor provide resources to a client. Again, this planningprocess can include life planning (LP), for example, college or homepurchase savings planning.

[0042] In a preferred embodiment, client asset-to-obligation ratios areautomatically determined by a data processor, and the clientautomatically provided with a report identifying problems, and withrecommendations for improving their end of life plans, including vendorreferrals. As used herein, the term vendor referral includes (1) clientsreceiving by telephone, email (which includes “instant messaging”),regular mail, courier, and/or facsimile vendor information directly fromthe web site (hub) host, (2) client information being provided tovendors so that vendors can directly contact the client, and (3)anonymous client need information provided to vendors by the hub withvendor product offerings then provided to the client via the hub withoutdirect contact between the client and the vendor.

[0043] As the hub cannot guarantee the services of some of the vendors,a disclaimer is provided to clients, which preferably is acknowledgedbefore certain information is provided. For example, prior to referringa client to an estate planning expert, or a lawyer for wills and trustadvice, a disclaimer is acknowledged by the client that the hub (i.e.,web site host) is not liable for the services provided by the resourceto which the client is referred. Likewise, the quality of casketsprovided by a supplier, the location and quality of burial plots,funeral services and locations, grief counseling capabilities, hospicecare, etc. cannot be guaranteed, so appropriate disclaimers are providedand acknowledged.

[0044] Additional advantages of a web site include anytime and anywhereaccess to stored TL/EOL plan data, clients and vendors. Further, the hubcan raise revenue by charging for vendor advertising, for listingvendors on its preferred vendor list, for vendor referrals, and fromsales commissions. Revenue is also derived from fees for using theTL/EOLP program, and/or from maintaining TL/EOL plan data.

[0045] The system of the present invention provides vendors with“focused client access,” so that advertising on the web site has ahigher payoff ratio than general broadcast advertisements. Further,clients referred to vendors are pre-screened by the hub. These arepreferred clients, since they have already expressed an interest in, andpreferably paid a fee to the hub for, TL/EOLP assistance, and the needof such clients' for the vendor's services has already been identifiedfor the client. Preferably, clients have already indicated a willingnessto receive information about the vendor referred by the hub.

[0046] In a preferred embodiment, client needs for vendor resources areidentified, and where geographic proximity is an important factor, thehub program automatically identifies and refers vendors with facilitieslocated in the zip codes closest to the zip code of the client'sresidence. Thus, the client is directed to local vendors recommended bythe hub (preferably, these are vendors that pay a fee to belong to thenetwork operated and linked by the hub), and the vendors gain motivatedlocal customers.

[0047] Economies of scale are another benefit of the hub and spokeLP/EOLP system. Data storage at the main storage and backup sites ismore economical since the costs are shared by many, thus obviating theneed for each client to store an original and backup of their LP/EOLPplans, although it is recommended that clients have copies forthemselves and/or designated parties. Further, paper files on insurancepolicies, wills, health plans, funeral plans, casket supplier, importantfamily contact information, etc. required at the time of need may bedifficult to locate and gather from various locations, or may simply beimpossible to locate. By having the required information or locations ofkey documents kept in a central secure location, clients have the peaceof mind that their assets will be automatically utilized to meet theirwishes when their LP/EOLP program generated plan stored by the hub isimplemented. Further, clients can provide anytime/anywhere access, orrestricted access, to their end of life plan to an individual, such asan “informant,” lawyer, trustee, or family member. The access to clientinformation can be limited to certain provisions of the LP/EOL plan, andoptionally in the case of a vendor (e.g., insurance), information can beupdated by the vendor.

[0048] In a preferred embodiment, automatic links to client asset andliability accounts is also provided, and premium notice and paymentstatus for important assets, such as life insurance policies, isautomatically updated in the clients LP plan file stored by the hub. Inone embodiment, a client's failure to pay a premium on a timely basiswould result in the client and/or the client's designee receiving anotice. Automated bill paying is another optional feature, which may beparticularly useful for extended vacations and in long term caresituations.

[0049] An additional aspect of the present invention is an obituaryprogram that enables clients to prepare and store personal historyneeded for an obituary. At the time of death, the obituary will be madeavailable to pre-selected news agencies and, in a preferred embodimentwill be used to create an on-line internet accessible memorial page,which may also include a personal biography, photo album, and audio andvideo clips. During the data entry, or questionnaire, phase of the EOLPmethod of the present invention, the client is asked if they would liketo prepare an obituary and memorial page, if not for themselves, thenfor someone else. Fees, which are optional, for storage of on-linememorials and obituary's can be included in the charge for using theLP/EOLP program, charged only when the obituary and/or on-line memorialis utilized, and/or charged as a one-time fee or on an installmentbasis.

[0050] Software and Systems

[0051] While an embodiment of the EOLP method of the present inventioncan be performed with paper and ink via preprinted questionnaires anddata entry forms, it is preferred to have an interactive softwareprogram that obtains data from the user via a series of questions, alsoreferred to herein as hierarchical interrogatories, stores theinformation in data fields for future reference, analyzes theinformation for determining weaknesses in the user's life plans and/orend of life plans, and makes vendor referrals. By the use of a computerprogram, preferably accessible via the internet world wide web, manyadditional benefits are derived for LP/EOLP. For example, a programaccessible from the internet can be updated without requiring creationand distribution of new hard copies of the program (although programcopies can be provided to professional planners under a separate feeprogram; the planners would then upload their clients data to the hubfor a fee). Further, with the widespread use of the internet, manycompanies offer customized web page and internet site setup servicesfacilitating the set up of a program in accordance with the presentinvention. The programs used to create the internet accessible programand web sites can be altered without affecting the client's life plansstored with the hub, which are preferably stored in a relationaldatabase. Following the program outline set forth herein, conventionalweb page formatting techniques and software tools can be utilized tocarry out the present invention's new and unique method of providing aone-stop on-line location for all LP/EOLP needs, create a centralrepository of all the necessary information to implement a particularend of life (or whole life) plan, plus provide a means for automaticallyimplementing the life plans when needed.

[0052] One of skill in the art will recognize that the presentinventions may be implemented by creating programs using known softwareand/or web site development tools, such as Cold Fusion, Microsoft FrontPage, programming languages such as HTML, XML, C++, Java, Perl, VisualBASIC, SQL database, etc. For example, the Oracle7.3 productcommercially available from Oracle Corporation of Redwood Shores,California or the Microsoft Access product commercially available fromMicrosoft Corporation of Redmond, Wash. View or Virtual databases mayalso be used that treat several databases as if they were a singledatabase. Conventional relational databases with specialized tools forOn-Line Analytical Processing, or OLAP-optimized databases may also beused. Such databases are sometimes referred to as MOLAP, ROLAP or DOLAPdatabases and are described at http://www.sentrytech.com/dw05dem.htm.Non-database implementations such as those storing data using objects,records, arrays or flat files may be used to implement dimensionaldatabases. Keys may be implemented using conventional pointers orlook-up table approaches.

[0053] For further information on systems and programs capable ofcollecting, storing, analyzing, updating, and electronically sharingdata, see U.S. Pat. No. 5,193,056, to Boes, U.S. Pat. No. 6,151,581, toKraftson et al., which are incorporated by reference as if reproduced infull below. Also incorporated by reference are existing systems, such asthose utilized to run the web sites of Amazon.com (e.g., U.S. Pat. No.5,960,411, to Hartman et al.) and Priceline.com (e.g., U.S. Pat. No.5,897,620, to Walker et al.).

[0054] Examplary Software and Hardware

[0055] Included as an appendix herein is a CD-ROM containing thecomputer program code of an exemplary system for managing a user's lifeplan. It will be appreciated that the included content is exemplary andthat any suitable content may be used with the disclosed system. Thecode includes hypertext markup language, Cold Fusion™ markup language,cascading style sheet and JavaScript files which can be executed ordisplayed by a browser program such as Internet Explorer v5.0manufactured by Microsoft Corporation, located in Redmond, Wash. Thecode references binary image files to display various icons and imagesas part of a graphic user interface and as part of the content. One ofordinary skill in the art will understand that such icons and images areknown and that any suitable icons and images that appropriately indicatethe represented function or content may be used. To operate the code,refer to the file listing included at the beginning of this document andthe additional detail below.

[0056] All of the code, as well as suitable image files, should beloaded on one or more media such as a CD-ROM or computer hard drive of asuitable computer server as described below. A suitable computer serveris one having a 100 MHz or greater Pentium™ processor, manufactured byIntel Corporation, located in Santa Clara, Calif., or similar classprocessor running the Windows NT 4.0, or later version, operating systemmanufactured by Microsoft Corporation. The computer server should haveat least 64 megabytes of RAM, at least 50 megabytes for the system (inaddition to necessary storage space for the operating system, andnecessary operating software as described below). The computer shouldfurther include a network interface card, keyboard, mouse or othersuitable user input device, a display device, such as a monitor or flatpanel display with the capability of generating and displaying graphicsat a resolution of at least 640×480 at an 8 bit color depth. Further, tomake the system available as an Internet accessible web site, a suitableInternet communications connection is required. An exemplary computerserver has a Pentium™ III processor running at 800 MHz, 512 megabytes ofRAM, a 20 GB SCSI hard disk and an Intel Pro 100+ network interfacecard, manufactured by Intel Corporation, located in Santa Clara, Calif.The exemplary server is further coupled with the Internet using a T3class or faster Internet connection.

[0057] In addition to the operating system, the System requires AllaireColdFusion Application Server 4.0, or later version, manufactured byAllaire/Macromedia, located San Francisco, Calif., Microsoft Access 97,or later version, and a suitable web browser program, such as MicrosoftInternet Explorer, 5.0 or later version, both manufactured by MicrosoftCorporation. In addition, the System 100 also requires the MicrosoftInternet Service Manager (IIS), also manufactured by MicrosoftCorporation, or other suitable web server software supported byColdFusion, such as Apache, Netscape Enterprise Server or O'ReillyWebSite Pro.

[0058] To operate the system and make it available as an Internetaccessible web site, the Microsoft Internet Service Manager andColdFusion Application Server software should be loaded on the computerserver. The files in the included CD ROM appendix should then be loadedin the web root directory, such as C:\netpub\deni. The Internet ServiceManager should then be configured to read and allow browsing of thedeni.net files loaded in the web root directory. The ColdFusion softwareshould then be configured to read the deni.net database using theColdFusion Administrator, as is known. The web site may then be accessedby accessing the computer server via the Internet using a suitable webbrowser program, either by a suitable URL/domain name or by IP address,and loading the index.html file from the deni directory.

[0059] The table below lists file extensions for files on the CD ROMsubmitted herewith, programs and/or programming language associated withthe creation of the corresponding files, and whether the files are inASCII or binary format: PDF Adobe Acrobat Binary BMP Image file - BitmapBinary CFM Cold Fusion Markup ASCII CSS Cascading Style Sheet ASCII GIFImage file - Graphic Image Format Binary HTM Hypertext Markup ASCII HTMLHypertext Markup Language ASCII JPG Image file - JPEG Binary JS JavaScript ASCII MDB MS Access Database Binary DOC MS Word document(copyright document) Binary PCX Image file - Photoshop Binary PNG Imagefile - Generic GIF Binary PSD Image file - Photoshop Binary TIF Imagefile - Tagged Image File Format Binary

[0060] International Network of LP Resources

[0061] A further benefit of the internet for implementing the presentinvention is the creation of an international and national network ofLP/EOLP resources that can interact electronically. This access createsthe ability for a U.S. citizen to have all essential information, suchas health insurance and medical history, etc. provided to a foreignhospital or government via email, facsimile or phone, upon thepresentation of their deni.net ID card (or “denicard™”). Thus, in apreferred embodiment, the deni.net denicard™ may be integrated into avariety of formats, for example, it may be included with a passportand/or drivers license, or denicard™ information can be imprinted orincluded in passports and driver licenses. Hotel guests and students atschools may leave their denicard™ number at registration in place offilling out long information forms. Employers can be given the denicard™number, and an annotated print out or electronic file of each employee'sexisting stored plans and other information, and can automaticallyupdate employee plan information, such as health, dental, life,disability, and retirement benefits. Since data fields can be madevariably accessible, a first group of data fields can be accessible by afirst type of card swipe device and/or access code while a second groupof data fields can be accessible by a second type of card swipe deviceand/or access code.

[0062] In one embodiment, a relational database is used to manageLP/EOLP data, with one or more fields in a first data set beingupdatable when one or more linked fields in a second data set arealtered.

[0063] In a preferred embodiment, each client is provided with anelectronic or paper report, summarizing their L/EOL plan data, andidentifying areas that should be investigated. The report willoptionally include specific recommendations and vendor referrals basedon an automatic analysis performed by the computer program usingactuarial tables and other planning tools and/or based on analysis by aprofessional life planner.

EXAMPLE 1

[0064] A non-limiting example of a web site layout and navigation methodfor carrying out the EOLP method of the present invention is presentedbelow. The example is for a web site known as deni™ and intended to beaccessible at http://www.deni.net. With reference to FIG. 1, deni™ isshown forming the hub for integrating a variety of resources useful forFEP and EOLP, which can be part of a total life planning process. Theseresources are all made available to deni™ subscribers via the site, andthe site can carry advertisements for various resources so that visitorsto the site that do not take advantage of the opportunity to use theLP/EOLP program may still gain helpful information from participatingresources. In a preferred embodiment, resources in the deni™ database orthat advertise on the site will have links back to deni™ in their websites in order to integrate their offerings with those of other LPresources.

[0065] Web Site Layout & Navigation

[0066] An exemplary web site layout is illustrated in FIG. 22. Withreference to FIG. 2, a block diagram flow chart is presented of anexemplary program routine flow chart for a planning program that can beimplemented on the internet. Frames may be used that contain navigationlinks to each section of the web site. For example, there may be twotypes of links, graphic link buttons and a drop down list containing asite map, so that visitors may be able to access any section of the website regardless of their current position within the site. When avisitor clicks a navigation link, only the content portion of each pagewill need to be downloaded.

[0067] Final Estate Planning—Client Registration

[0068] With reference to FIG. 2, one of the first steps in an exemplaryFinal Estate Planning process is for clients to register and pay fortheir membership to deni.net. The registration and payment process isfully automated. In order to register, clients complete the onlineregistration form. The information provided during the registrationprocess will be used through out the Final Estate planning processallowing the system to track the users progress and allow them to updatetheir information.

[0069] Once the client has completed and submitted the registration formthey will be prompted to enter a password that will be used to access aFinal Estate Planning System program. Various program modules (shown asblocks) are sequentially followed, for example, birth record entry,family history entry, etc. The client may receive a confirmation emailthat includes their user identification number. After the confirmationnotice has been received, they will be able to login into the FinalEstate Planning System program to begin completing items on the FinalEstate Planning Checklist, or “FEPCL,” or into a life planningchecklist. A member login link is provided on the web site's home page.Once logged in, clients will be directed to the FEPCL or an LP program.

[0070] Below are non-limiting examples of client information that willbe collected during registration:

[0071] 1. Email address

[0072] 2. Name

[0073] 3. Date of Birth

[0074] 4. Address

[0075] 5. Phone Number

[0076] 6. Years at Current Residence

[0077] 7. Place of Birth

[0078] 8. Social Security Number

[0079] 9. Martial Status

[0080] a. Spouse's Name

[0081] b. Spouse's Age

[0082] 10. Years Employed

[0083] 11. Occupation

[0084] 12. Employer Business

[0085] 13. Father's Name

[0086] 14. Father's Place of Birth

[0087] 15. Mother's Name

[0088] 16. Mother's Place of Birth

[0089] Final Estate Planning—Final Estate Planning Checklist

[0090] As noted above, a preferred feature of life planning is FinalEstate Planning. The Final Estate Planning Checklist, FEPCL, of thepresent invention serves at least three purposes. First, the checklistprovides clients with a list of items to be completed, and, as the itemsare completed, a checkmark will be placed next to them so that they caneasily be identified as completed. Checked items that are fullycompleted are eliminated from the FEPCL in one embodiment to form a“to-do” list. The second purpose for the checklist is to serve as agateway to all of the areas identified on the checklist. Third, thechecklist ensures completion of the vendor referral process. The FEPCLcan be part of a EOL/TL checklist.

[0091] From the checklist, clients will be able to access any section ofthe Planning system. For FEP, the checklist includes four categoriescorresponding to the deni™ four points of final estate planning method:Point One—“Your Assets”, Point Two—“Your Responsibilities”, PointThree—“The Care of Your Body Before & After Death” and Point Four—“WhatHave You Done to Document & Fund.” Beneath the category heading will bea list of items to be completed in that category. The category headingsand items requested will be clickable links to their correspondingpages. Each category will have an introductory page containing a briefdescription of information to be entered. Each of the items will behyper-linked for additional navigation.

[0092] In a preferred embodiment, each time a client submits a form orinformation request to a vendor they will be asked to read andacknowledge a disclaimer.

[0093] Listed below are examples of the items to include on the FinalEstate Planning Checklist. FIGS. 3-21 provide program flow charts forcollection and storage of this information, along with disclaimerprogram modules, and vendor referral program modules.

[0094] Point One—“Your Assets”

[0095] 1. Personal Property

[0096] 2. Furniture

[0097] 3. Jewelry

[0098] 4. Motor Vehicles

[0099] 5. Accounts/Monies

[0100] 6. Insurance Benefits

[0101] 7. Stocks/Bonds

[0102] 8. Annuities

[0103] 9. Possible Inheritances

[0104] Point Two—“Your Responsibilities”

[0105] 1. Debts and Individual Monies Owed

[0106] 2. Minor Children/Dependents

[0107] a. Child Caregiver

[0108] b. Funds for Under Age Children

[0109] c. College Funds

[0110] 3. Pets Future Placement

[0111] 4. Power of Attorney/Caregiver

[0112] Point Three—“The Care of Your Body Before & After Death”

[0113] 1. Long Term Care/Coverage

[0114] 2. Medical Insurance Funding

[0115] 3. Organ & Tissue Donation

[0116] 4. Funeral Pre-Arrangements

[0117] a. Online Memorial

[0118] b. Obituary

[0119] 5. Power of Attorney Living Will

[0120] Point Four—“What Have You Done to Document & Fund the Below”

[0121] 1. Life Insurance

[0122] 2. Pre-Paid Funeral Plans

[0123] 3. Prepaid Interment Burial Or Cremation

[0124] 4. Annuities

[0125] 5. Trust

[0126] 6. Savings

[0127] 7. Wills

[0128] 8. Living Trusts

[0129] 9. Pour-Over Wills

[0130] 10. Funeral Or Cremation Provider

[0131] Planning—Checklist Item Completion

[0132] Clients are requested to fill out forms for each of the itemslisted on the TL/EOL/FEP checklist. Once a form is completed, they willneed to submit and verify the information that they have provided. Theywill be provided an opportunity to make changes to the form at that timeor they can come back at any time to update the form. When they haveverified their information, they will then be referred to LP/EOLP/FEPresources and/or deni.net vendors in the deni.net vendor network.

[0133] With reference to FIGS. 15-22, program flow charts for resourcesoffered by or through deni™ and additional features and functions of anexemplary web site (hub) are illustrated, including a Grief Center inFIG. 15, Vendor Log-In & Administration features in FIG. 16, FuneralPlanning Services in FIG. 17, Client Login program modules in FIG. 18,Membership Information program modules in FIG. 19, Obituary programmodules in FIG. 20, Online Memorial program modules in FIG. 21, and siteSearch program modules in FIG. 22.

[0134] Exemplary Web Site Web Page Examples

[0135] With reference to FIGS. 23-28, actual screen shots from anexemplary planning program of the present invention and implemented viathe internet are provided. The program and image files for the programare included with the CD submitted herewith. FIG. 23 illustrates anexemplary home page, which provides information and various interactivefeatures. For example, by moving a cursor to menu items, programroutines are activated to provide information or to query the user.FIGS. 24, 25 and 26 provide interactive checklist pages for gatheringplanning information. FIG. 27 is an interactive page for gathering apersonal profile, and FIG. 28 is credit card payment feature. All ofthese features and more may be accessed at the www.deni.net web site.

[0136] Funeral Preplanning

[0137] A Funeral Preplanning Kit, by Denise Parker, is available fromDeni Resources, Inc. P.O. Box 511, Sunland, Calif. 91041. An edition ofthe kit including a Funeral Preplanning Workbook and a FuneralPrearrangement Form can also be obtained from the Library of Congress,registration numbers TX 4-636-530 and TX 4-509-887, respectively, bothhaving a registration date of Aug. 18, 1997. The kit includes datacollection forms and questions. These forms can be completed andquestions answered on paper, or included in a computer program,preferably accessible at the deni.net web site. The amount of detailrequired for just this aspect of FEP demonstrates the advantagesprovided by the organization of the deni™ four point FEP system. Forexample, a textual excerpt from the deni™ workbook follows, whichdemonstrates the level of detail and amount of information required fora professional type FEP.

[0138] The program of the present invention substantially provides allof the information and gathers responses to all of the questions posedbelow, as well as numerous other features. FUNERAL PREPLANNING WORKBOOKTable of Contents 1. FINAL ESTATE PLANNING CHECK LIST A checklist of allthe items most families will need to complete for the final estateplanning process. 2. FUNERAL PREPLANNING CHECK LIST A checklist of thetype of arrangements you would want made at the time of death to preventany emotional overspending. 3. DEATH CERTIFICATE CHECK LIST A list ofwhom will need a certified copy of the death certificate at the time ofdeath. 4. FUNERAL HOME CHECK LIST A list of those items needed by thefuneral home after death. 5. OUTLINE OF THE SERVICE (For the program) Alisting of the order of the service for the memorial program. 6. WRITINGYOUR OWN OBITUARY An outline of the information families will need forthe program's obituary. 7. FRIENDS AND FAMILY List key persons thatwould need to be notified of the death.

[0139] 1. Final Estate Planning Checklist

[0140] Below is a list of items you will need to gather together tocomplete your final estate planning process. Please place copies ofthese items and any other necessary information in a folder (providedwhen kit obtained from Deni Resources):

[0141] VITAL STATISTICS RECORD

[0142] SOCIAL SECURITY DEATH BENEFIT

[0143] 2 Certified copies of marriage certificate

[0144] Spouse's social security number to access social securitybenefits

[0145] PERSONAL HISTORY

[0146] VETERANS BENEFITS

[0147] Copies of discharge papers to be able to access free land, markerand other benefits

[0148] CONTACTS TO NOTIFY:

[0149] MAKE LIST OF KEY FRIENDS AND THEIR PHONE NUMBERS.

[0150] MAKE A LIST OF WHOM TO SEND DEATH CERTIFICATES TO.

[0151] MAKE A LIST OF CREDIT CARDS TO CANCEL.

[0152] MAKE A LIST OF ALL INSURANCE POLICIES AND THEIR NUMBERS,

[0153] AMOUNTS AND THEIR BUSINESS LOCATIONS.

[0154] CONTACT INSURANCE COMPANIES TO VERIFY POLICIES COVERAGE, AMOUNTSAND BENEFICIARIES.

[0155] IMPORTANT LEGAL INFORMATION:

[0156] WILL.

[0157] LIVING TRUST WITH POUR-OVER WILL.

[0158] DURABLE POWER OF ATTORNEY FOR HEALTH CARE.

[0159] FUNERAL INFORMATION

[0160] CEMETERY.

[0161] 2 copies of deed (include marker, opening and closinginformation).

[0162] FUNERAL RECORDS ON FILE WITH

[0163] MISCELLANEOUS INFORMATION

[0164] 2. FUNERAL PREPLANNING CHECK LIST:

[0165] Please, answer the following questions on the space provided.Some questions you may not have an answer to at this time. Leave theline blank until you do.

[0166] * FUNERAL BUDGET AMOUNT? _

[0167] * HOW WILL EXPENSES BE PAID?_(—)_

[0168] * WILL YOU BE:

[0169]_(—) _(—)_BURIED

[0170]_(—) _(—)_CREMATED

[0171] * WHERE WILL YOU BE BURIED?_(—)_

[0172] * IS YOUR CEMETERY PLOT PAID FOR? _

[0173] * WHERE WILL YOUR CREMATED REMAINS GO?_(—)_

[0174] * WHERE WILL YOUR FAMILY SAY THEIR GOODBYES TO YOU?

[0175] CHURCH SERVICE

[0176]_(—) _(—) _(—)_MORTUARY CHAPEL SERVICE

[0177] GRAVE SIDE SERVICE

[0178] PRIVATE SERVICE TO BE DETERMINED BY FAMILY MEMBERS

[0179] * WILL YOUR BODY BE PRESENT?

[0180] * WILL THERE BE A VIEWING OR WAKE THE NIGHT BEFORE? _

[0181] * WHERE ARE YOUR CLOTHES COMING FROM? _

[0182] * WILL YOU BE WEARING ANY ACCESSORIES? _

[0183] * WILL YOU BE HOLDING A:

[0184] BIBLE

[0185] ROSARY

[0186] CROSS

[0187] FLOWER

[0188] * WHO WILL DO THE COSMETIZING (MAKE UP OR SHAVING)?

[0189] * DO YOU HAVE A FAVORITE SONG? _

[0190] * WILL THERE BE AN ORGANIST? (NAME AND PHONE NUMBER)

[0191] * WILL THERE BE A SOLOIST? (NAME AND PHONE NUMBER) _

[0192] * WHO WILL BE PERFORMING THE SERVICE?

[0193] NAME & ADDRESS

[0194] PHONE NUMBER

[0195] * WHAT CHURCH DO YOU WANT THE SERVICES HELD AT?

[0196] NAME & ADDRESSD

[0197] PHONE NUMBERM

[0198] * WILL THERE BE PROGRAMS OR MASS CARDS?_(—)_

[0199] * WILL YOUR PICTURE BE ON THE FRONT?

[0200] * DO YOU HAVE A FAVORITE SCRIPTURE OR POEM READING YOU WOULD LIKEINSIDE?_

[0201] * WHAT IS YOUR FAVORITE FLOWER?

[0202] * COLOR OF THE FLOWER?

[0203] * DO YOU WANT A CASKET SPRAY?

[0204] * WILL THERE BE FLOWERS PINNED ON EACH MEMBER OF THE

[0205] FAMILY? _

[0206] * WHERE WILL THE PALLBEARERS COME FROM?

[0207] FAMILY AND FRIENDSN

[0208] FUNERAL HOMEO

[0209] * WILL THEY BE WEARING GLOVES?

[0210] * WILL THERE BE AN OBITUARY LISTING IN THE LOCAL PAPERS?

[0211] * WHICH ONES?

[0212] * WILL THERE BE A FAMILY CAR TO PICK UP AND DROP OFF THE

[0213] FAMILY?

[0214] * HOW MANY WILL BE NEEDED?

[0215] * DO YOU WANT THANK YOU CARDS?

[0216] * DO YOU WANT A SIGN IN BOOK?

[0217] * WILL THE FAMILY FOLLOW FROM THE SERVICE TO THE GRAVESIDE?

[0218] * DO YOU NEED ESCORTS?

[0219] * HOW MANY DEATH CERTIFICATES DOES THE FUNERAL DIRECTOR

[0220] NEED TO ORDER?

[0221] * WHO WILL BE IN CHARGE OF YOUR FUNERAL ARRANGEMETS AT

[0222] THE TIME?

[0223] NAME & ADDRESS

[0224] PHONE NUMBER

[0225] ADDITIONAL INSTRUCTIONS: 3. DEATH CERTIFICATE CHECK LIST:Although the number of death certificates needed by families vary, thisis an outline that can make the planning of how many to order easier.Certified death certificates will be needed by: EACH BANK (Not eachaccount) BANK NAME BRANCH ACCOUNT NUMBER EACH INSURANCE COMPANY (Not foreach policy) COMPANY NAME PHONE NUMBER ACCOUNT NUMBER STOCK BONDS ORANNUITIES (1 per company not per bond, stock, or annuity) COMPANY NAMEPHONE NUMBER ACCOUNT NUMBER CREDIT UNIONS (1 per company) COMPANY NAMEBRANCH ACCOUNT NUMBER RETIREMENT FUNDS (IRA'S, SEP'S, Pensions, etc.)COMPANY NAME BRANCH ACCOUNT NUMBER PROPERTY OWNED (Attach property taxinformation for each one) LENDER PARCEL NUMBER LOCATION

[0226] VETERANS ADMINISTRATION (To access benefits see pre arrangementform to complete the information needed)

[0227] SOCIAL SECURITY (Required for $ 255.00 death benefit to survivingspouse)

[0228] DEPARTMENT OF MOTOR VEHICLES (To change the title of the cars.Only one is needed)

[0229] NOTE: KEEP IN MIND DEATH CERTIFICATES WILL BE NEEDED FOR ANYTHINGFOR WHICH YOUR NAME IS ON THE TITLE.

[0230] 4. Funeral Home Check List:

[0231] Below is a list of items your family will need to gather togetherfor the funeral director at the time of death. If cremation without aservice is selected, personal items may not be needed.

[0232] 1. CLOTHING (including underclothes)

[0233] FOR MEN: Undershirt, shorts and socks

[0234] FOR WOMEN: Stockings, slip, bra and underpants

[0235] 2. COSMETICS AND/OR COLOGNE USED BY DECEASED

[0236] 3. PHOTOGRAPHY OF HOW HAIR USED TO BE STYLED

[0237] 4. PICTURE FOR THE PROGRAM

[0238] 5. INFORMATION TO BE INCLUDED IN THE PROGRAM

[0239] 6. WRITTEN OBITUARY

[0240] 7. A LIST OF SIX PALLBEARERS

[0241] 8. PLACE OF THE FUNERAL WITH ADDRESS AND PHONE NUMBER

[0242] 9. MINISTER'S NAME WITH ADDRESS AND PHONE NUMBER

[0243] 10. NUMBER OF DEATH CERTIFICATES NEEDED

[0244] 11. NAME AND ADDRESS OF CEMETERY, PLOT LOCATION AND LISTING OFWHAT HAS BEEN PAID FOR

[0245] 12. INSURANCE DOCUMENTS (If any are to be used for payments)

[0246] 13. VETERANS DISCHARGE PAPERS (If any)

[0247] 14. CENTRAL LOCATION FOR FAMILY TO BE PICKED UP THE DAY OF loFUNERAL (If available), INCLUDING NAME, ADDRESS AND PHONE NUMBER

[0248] ADD TO THE ABOVE LIST ANY ITEMS YOU WOULD LIKE TO HAVE BURIEDWITH YOU

[0249] 5. Outline of a Funeral Service:

[0250] A funeral should reflect the life of the one being honored.Because your life is unique, this section will help your family plan aservice or memorial distinctive to you. List your personal preferencesfor each item below.

[0251] SERVICES HELD AT:

[0252] OFFICIATOR:

[0253] ORGANIST:

[0254] SOLOIST:

[0255] PROCESSIONAL INFORMATION:

[0256] MUSIC SELECTION:

[0257] SCRIPTURE SELECTION:

[0258] PRAYER OR POEM READING:

[0259] MUSIC SELECTION:

[0260] ACKNOWLEDGEMENT OF CARDS, TELEGRAMS, ETC. BY FAMILY:

[0261] LISTING OF ACTIVE PALLBEARERS (6) LIST NAMES & PHONE NUMBERS

[0262] LISTING OF HONORARY PALLBEARERS (6) LIST NAMES & PHONE NUMBERS

[0263] PLACE OF INTERNMENT:

[0264] FUNERAL ARRANGEMENTS ENTRUSTED TO: (Listing of funeral home)

[0265] ADDITIONAL INFORMATION

[0266] 6. WRITING YOUR OWN OBITUARY Below is an outline of how page oneof the average obituary should be written for the memorial program.Included is the information you will need to complete for your family:THE LIFE OF SECTION I (Your Name) WAS BORN TO AND ON (Date of Birth) IN(City, State) (Your Name or Parents Name) IMIGRATED TO THIS COUNTRY IN,AND SETRLED IN SECTION 2 (Your Name) WAS A GRADUATE OF (List allimportant educational history and years graduated from) HE/SHE SERVED(List any military service and dates served, metals received and/ormilitary accomplishments) IN YEAR, (Your Name) MET AND MARRIED. FROMTHEIR MARRIAGE (OR UNION) WERE BORN (List number of sons and theirnames, list number of daughters and their names). SECTION 3 (Your Name),WAS AN ACTIVE MEMBER IN THE COMMUNITY, (Give a complete listing ofpertinent employment, groups, clubs, organizations, memberships andvolunteer functions you have taken part in) SECTION 4

[0267] IS SURVIVED BY HIS/HER SPOUSE TEIR CHILDREN (List names and thecity they currently live in, number of grandchildren, surviving parentsand/or grandparents) 7. FRIENDS AND FAMILY: At the time of death, familymembers may not know whom all your friends are or how to contact them.Use this form to list the names and phone numbers of key friends andfamily members to ensure everyone is notified in the time to attend theservice. NAME: PHONE #: OTHIERS TO CONTACT: ATTORNEY NAME: PHONE #:DOCTOR NAME: PHONE #:_(—) _(—)

[0268] MISCELLANEOUS INFORMATION: Add to the above list, any others youwould want contacted.

[0269] To receive more information about our services and us please,contact: DENI RESOURCES, P.O. BOX 511 Sunland, Calif. 91041-818-951-3364or visit our website at www.deni.net.

[0270] Automating Life Planning

[0271] Further advantages of the deni™ four point FEP system arerecognized by automating the system via an internet accessible computerprogram, which preferably is part of a total life planning program.These advantages include the ability to correct and update data (no needfor erasers), automatically copy repetitive data (i.e., name, address,etc.) into the fields provided on the various forms (data programs, andrelational database programs, such as those available from OracleCorporation of Redwood, Calif. can be used), store a variety of types ofinformation from various sources in one location, readily transmit allor selected parts of the information to one or more locations, summarizeand analyze the data, provide automatic vendor referrals and feedbackinformation, and make the information accessible and updateable fromanywhere in the world (or space) that has internet access. Data fieldscan be linked with those of other deni™ clients or vendors. Thus, forexample, if the beneficiary of an insurance policy held by a deni™client is also a deni™ client and dies, the policy holder would beautomatically notified. Further, billing information and fee collectioncan be automated as well, so that clients can have peace of mind thattheir final estate plans and end of life plans are adequate and will becarried out.

[0272] Final Estate Planning—Vendor Referrals

[0273] The vendors that will be referred to clients will provideservices or products relating to relevant checklist item(s) that theclient completed, partially completed, or for which the client did notprovide any information. The list of referred vendors may vary based onthe client's zip code prefix. Vendors located in or around thecustomer's zip code prefix will be listed first, particularly if theservice offered is geographically sensitive, such as cemetery location.Preferably, only two vendors will be listed for any particular serviceor product. Clients will be able to click on each vendor name listed andthe link will take them to the vendor's web site contained within thedeni.net system, to the vendor's own home page, or if the vendor doesnot have a web page the client will be directed to the vendor's detailpage. The detail page will contain a brief description of the vendor'sproducts and services and contact information. The vendor referral pagewill also contain a search window to allow clients to search the entiredeni.net vendor database.

[0274] After a client has selected a vendor, the information gathered onthe registration form (or just pertinent fields thereon) and on theother relevant forms (or just pertinent fields thereon) will be sent tothe vendor. The information will be stored within the vendor's deni.netdatabase. The vendor will be notified via email that a request has beensent to them. The vendor will then need to log in and access theiraccount records to view the client information.

[0275] Payment System

[0276] The payment system for both clients and vendors is automated.Payment information is gathered at the time of registration. All paymentinformation is gathered and processed on a secure (SSL compliant) webserver. The client and vendor's credit cards will be automaticallyprocessed, and after credit card, authorization has been received anemail notification will be sent to the client or vendor.

[0277] Vendors will be required to pay an annual membership fee. Atleast seven days prior to the one-year expiration date an email noticewill be sent to the vendor reminding them that it is time to renew theirmembership. Their credit card will automatically be charged unless thevendor responds to the renewal notice, notifying deni.net that they nolonger wish to be a member. After the credit card is processed, an emailconfirmation will be sent to the vendor.

[0278] Email System

[0279] All emails gathered by clients and vendors will be stored in thedeni.net database. Deni.net can have the ability through theadministration section of their web site to draft bulk email messages tobe sent to clients and vendors who have provided deni.net with theiremail address.

[0280] Online Memorial

[0281] An Online Memorial will be available to both clients and vendors.A sample block diagram program flow chart is illustrated in FIG. 21.Clients will be able to complete their own Online Memorial under theFuneral Pre-Arrangements section of the Final Estate Planning process.The Online Memorial can also be accessed from a link on the navigationframe. The Online Memorial can in one embodiment be provided free topaid member clients.

[0282] Vendors will have access to the Online Memorial through theirvendor page. Vendors will be able to post an Online Memorial for theirclients for a fee. Non-members will be able to purchase an OnlineMemorial by completing the form and submitting their paymentinformation. An automated secure payment system will be set up toprocess the Online Memorial fees. To post an Online Memorial clients andvendors will need to first complete and submit the Online Memorial form.

[0283] The Online Memorial may include for example:

[0284] 1. Full Name

[0285] 2. Place of Birth

[0286] 3. Date of Birth

[0287] 4. Date of Death

[0288] 5. Place of Death

[0289] 6. Place of Final Disposition

[0290] 7. Final Message

[0291] 8. Surviving Family

[0292] 9. Accomplishments

[0293] 10. Photo

[0294] Obituary

[0295] Clients may be given a free three-month obituary with theirmembership, or this can be done for an add-on fee. A sample blockdiagram program flow chart is illustrated in FIG. 20 for carrying outthe obituary program. Vendors can purchase a three-month obituary fortheir clients for a one-time fee. Additionally, non-members can purchasean obituary by completing the obituary form and submitting their paymentinformation. The payment process will be automated and function similarto the payment system for membership and the Online Memorial. Vendorsand client survivors will have access to the obituary system throughaccount login.

[0296] The Grief Center

[0297] The Grief Center can function as an educational tool and as anaid to those dealing with the loss of a loved one. A sample blockdiagram program flow chart is illustrated in FIG. 15 for operating theGrief Center. The Grief Center includes informational sections on theGrief Process, Anticipatory Grief, Benefits of a Funeral in the GriefProcess and The Resource Library. Furthermore, The Grief Center willserve as gateway to Obituaries, Online Memorials, Bereavement Chatroom(s), to vendors providing bereavement services, and to a floristthat provides delivery nationwide. Visitors to The Grief Center will beable to search the deni.net database of obituaries, and OnlineMemorials. Additionally, they will be able to search for a vendor intheir area that provides bereavement services. Visitors will also beable to create a free electronic sympathy card. The Grief Center willalso be home to the Grief Discussion Forum. The discussion forum willenable visitors to the site to post messages, ask questions, andoptionally access a FAQ (frequently asked question) section, which maybe linked to a central FAQ site for EOLP. Deni.net and visitors will beable to post a reply message to posted messages. When a reply message isposted, an email notice will be sent to the person that posted theoriginal message. The majority of the educational text is already postedon the existing deni.net web site. This text will need to be reviewedand if necessary updated.

[0298] Below are examples of resources accessible from The Grief Center:

[0299] 1. The Grief Process

[0300] 2. Anticipatory Grief

[0301] 3. Benefits of a Funeral in the Grief Process

[0302] 4. The Resource Library

[0303] 5. Obituaries

[0304] 6. Online Memorials

[0305] 7. Bereavement Chat room

[0306] 8. Bereavement Service Providers

[0307] 9. National Florist

[0308] 10. Electronic Sympathy Cards

[0309] 11. Grief Discussion Forum

[0310] deni.net Company Information

[0311] The Company Information section of the web site will provideinformation to visitors about the history and mission of Deni Resources,Inc and deni.net (see program module block on FIG. 14, which is directlyvertically dependent from the deni.net home page block). The text forthis section is currently posted on the existing deni.net web site; fromtime to time it will be updated to reflect the new resources availablethrough and services provided by the organization.

[0312] Membership Information

[0313] Potential members will find a description of all of the productsand services that deni.net provides, as well as the cost for each item.A sample block diagram program flow chart is illustrated in FIG. 19 forperforming this function. This section will be divided into twosub-sections for Clients and Vendors.

[0314] Listed below are examples of items that will be provided in theClient section:

[0315] 1. Final Estate Planning Package

[0316] 2. Online Memorials

[0317] 3. Obituaries

[0318] 4. Living Will

[0319] 5. Electronic Sympathy Cards

[0320] 6. Funeral Pre-Planning

[0321] 7. Burial Insurance Coverage (California Only)

[0322] 8. Description of the Types of Vendors in the deni.net Database

[0323] Listed below are examples of items that will be provided in theVendor section:

[0324] 1. Basic Listing data (name, address, phone #, etc.)

[0325] 2. Extending Listing Packages (URL link, business description)

[0326] 3. Vendor Resources (newsletter, networking feature, vendor chat)

[0327] 4. Activity Report (statistical data on client referrals)

[0328] 5. Affiliate Program (vendors offer deni™ services)

[0329] 6. Billing Information

[0330] 7. Login Information

[0331] Electronic Sympathy Cards

[0332] With reference to FIG. 14, one exemplary program module allowsvisitors to create Electronic Sympathy Cards based on four templatedesigns. Visitors can, for example, select from a number of designs orcreate their own custom message. Once the design and message have beenselected, the visitors will then submit their email address as well asthe receiver's email address. The card will then be automatically sentto the receiver. The sender and receiver's email addresses will bestored in the deni.net email database.

[0333] Free Vendor Web Page

[0334] Vendors will receive a free business description web page withtheir membership. The web page will be contained within the deni.net website or hub. Vendors will create their own web page from a templatesystem. Vendors will have the option of creating a custom web page orlogo for a fee. In an embodiment, vendors will complete and submit theWeb Page Form to deni.net. The information provided on the Web Page Formwill make up the content for the web page. Once the vendor has completedand submitted the form, a notice will be sent to Deni.net. Deni.net willthen need to review and activate the web page from the Deni.net web siteadministration section. After the web page has been activated, anautomatic email notice will be sent to the vendor.

[0335] Database Search

[0336] In a preferred embodiment, all visitors to the Deni.net web sitewill have the ability to search the vendor database. The search featurewill be available on every page of the web site. Visitors will be ableto search for vendors by zip code, city, state, keyword(s), as well asthe type of vendor. After a visitor submits their search criteria, aresult page will be displayed. The result page will contain the name ofthe vendor and a short description of the products and services. Thevendors name will be displayed as clickable hyperlinks. If the vendorhas a web page, the link will direct the visitor to the vendor's webpage. If the vendor does not have a web page, the visitor will bedirected to the vendor's detail page, which contains contact informationand a brief description of the vendor's products and services.

[0337] Affiliates Program

[0338] In an embodiment, an affiliates program is provided, includingfor example a national florist and a major web portal and search engine,such as amazon.com. Deni.net will preferably track visitor usage of theaffiliate program. This allows vendors to offer additional resources totheir clients, and creates a synergistically beneficial result to allcustomers and vendors using the site.

[0339] Vendor Administration

[0340] In an embodiment, Vendors will have the ability to update theirrecords in the deni.net database. Vendors will be able to update all ofthe information provided during registration (see FIG. 16).Additionally, they will have access to client records, however thisaccess will be limited. Vendors will only be able to update clientrecords for those clients that submitted information to the vendor andonly that information which pertains to the service that the vendor willbe providing the client. For example, an insurance vendor can updatecoverage limits, beneficiary information, and send notice of overduepremiums. Vendors will have access to their administration section bylogging into the system using their user ID and password.

[0341] Disclaimer Program Module

[0342] As a virtual meeting room, store, or office for various vendorsin the EOLP network to meet with clients, deni.net preferably containsnumerous disclaimers that must be acknowledged by its customers andvendors before deni.net arranges contact therebetween. Thus, in apreferred embodiment, all vendor referral programs include a disclaimerprogram module.

[0343] Deni.net Administration Section

[0344] Preferably, deni.net administrators will have global access toall information stored in the deni.net databases. Deni.netadministrators will need to log into the system using their assigneduser ID and password. Once they have gained access, Deni.netadministrators will be able to view, edit and delete all records storedin the databases. There will be a bulk email system built into theadministration section, which will enable Deni.net to send bulk email toall persons who have provided Deni.net with their email address. Fromthe administration section, Deni.net will be able to activate vendor webpages, vendor records, Online Memorials and Obituaries. Web site trafficreports, client and vendor purchase reports will be available.

[0345] Client & Vendor Passwords

[0346] If a client or vendor enters an invalid email address or passwordduring the login process they will receive a message that states thatthe information they entered was incorrect. They will be able to attemptlogin again after receiving the message. If a client or vendor hasforgotten their password, they will have the opportunity to send anemail requesting their password. Their password will then be emailed tothem.

[0347] Data Backups

[0348] In an embodiment, the internet hub is for example, deni.net, andis hosted by Egress Communications Inc. with a direct link to LorberCommunications. An exemplary connectivity uplink community is Softaware,UUNET and PCNet, and an example of acceptable broadband consists of upto 8 “T3” lines. However, the number of users accessing the hub may leadto additional capacity and features being added. Further, one of skillin the art will recognize that numerous variations on acceptable hubhardware and software to accomplish the present invention are possible.

[0349] The web server preferably has a mirrored hard disk drive system,which means that any files or database records saved on the web server'sprimary hard disc drive will automatically be saved to a second harddisk drive. Additionally, database backups can be saved to a secondserver located at the Egress Communications offices in Van Nuys,California. Further, clients are sent hard copies and/or electroniccopies of their EOL plan information summary, which can also beforwarded in whole or in part to relevant vendors or designated parties.For example, funeral plans, casket choice, burial plot, and otherinformation can be automatically forwarded to a selected funeraldirector at the time of preparation (pre-need) or at the time the EOLplan is activated due to death or incapacity.

[0350] Client & Vendor Account Deactivation

[0351] Clients and vendors will be able to deactivate their account byselecting a link on the Final Estate Planning Checklist for clients orfrom the Vendor Administration Main Page for vendors. A deactivationemail will be sent to Deni.net. A Deni.net representative can thendeactivate or delete the client or vendor record from the deni.netAdministration Section.

[0352] Development of the foregoing capabilities in a web site requiresa database structure for storing programming, textual and graphicalimages provided to users (e.g., hub operator, clients, visitors, andvendors) and for storing client data. As client and vendor EOLP data isorganized in predetermined formats, it is readily capable of compressionfor storage and transmission purposes.

EXAMPLE 2

[0353] In Example 1, a web site and program was described for (1)obtaining, analyzing, maintaining and updating client end of life plans,(2) obtaining, maintaining and updating final estate and EOL plans andvendor resources, (3) providing information and a forum for FEP andEOLP, (4) providing a business to business (B2B) portal for FEP and EOLPresource vendors, and (5) providing for automated implementation offinal estate and EOL plans for clients. Numerous variations in howinformation can be gathered and how programming can be done arepossible.

[0354] In an embodiment of the computer program, after asking eachquestion and receiving an answer, the computer will query the clientwhether or not they believe they have completely answered the question,and provide helpful tips on determining if they have. If they do notbelieve that they have completely answered the question, the computerwill generate a “To Do List” (or provide a checklist of items, and/orsummary of information provided) at the end of the data collectionsession in order to assist the client in gathering the information. Whenthe client logs into the program again, the computer will automaticallyquery the client on those questions that were not answered previously. Anon-limiting example of a portion of a questionnaire for gatheringinformation for EOLP is provided below:

[0355] 1.0 Asset Disposition 1.1 Cash Identify all cash assets; for eachbank account identify the bank, account number and current balance. Alsoenter, if known, a telephone contact number for each account number. 1.2Real Estate For each piece of real estate, identify the address and/ormap plot number and percentage ownership and whether it is a tenancy incommon, joint tenancy or tenancy by the entirety 1.3 Personal PropertyIdentify all personal property, such as cars, jewelry, electronicequipment, and furniture (do a complete household inventory). It isrecommended to videotape and/or take photographs, and if you have doneso, simply refer to where the location of the photographs are or digitalvideo. In a preferred embodiment of the deni.net site, digital photosand video can be stored on a central computer file with all other clientdata. 1.4 Insurance and other List all insurance policies by companyname(s), account financial instruments number, policy limits, dates thatpremiums are due, representatives, beneficiaries, and policy amounts.List all stocks, bonds and annuities by company or in the alternativeidentify a brokerage account, telephone number and broker where thisinformation can be obtained. 2.0 Fiscal And Human Care Responsibility2.1 Family Identify your current spouse, full name and social securitynumber. Current location if other than your residence address above.Spouse date of birth. Identify all children and other legal dependentsby name, social security number, date of birth and current known addressif different than yours. 2.2 Employer Information Identify your employerand contact person in the event of disability or death. Also list belowany specific instructions for your employer in the event of your deathor permanent disability. Also identify contact person for all employeebenefits. 2.3 Military Did you serve at least two years in the militaryor were you permanently injured during the first two years of service?If you are a veteran, specify so and identify your military serialnumber below and any wars or conflicts that you served in, and includedate of induction and date of discharge and rank at discharge. Indicatewhat branch of military service you served. 2.4 Guardian Who will be theguardian of your minor children in the event that both you and yourspouse are disabled or deceased? Identify the caregiver, currentaddress, telephone number and any professional affiliations, i.e.hospital, etc. 2.5 Pets Identify any pets. What type of pet?Description, age of pet and desired disposition of pet (i.e. gift to aparticular family, or particular pet retirement home and/or animalhospital to which animal should be taken. 3.0 Creditors List all currentcreditors, including mortgages, rental payments due, credit cards,utilities, loans, etc. For each creditor, identify the name of thecreditor, address, account number, amount owed and/or monthly paymentsand list a contact number for each creditor. 4.0 Care of Body BeforeIdentify any assistant, moving and/or long-term healthcare And AfterDeath plans or preferences. If you haven't already done so under(Corporal Disposition) asset disposition, identify all healthcare,insurance plans along with plan number and contact telephone number. 4.1Organ Donation Do you wish your organs donated? If you wish this limitedit to any specific organs, please identify the organs (i.e. eyes,kidneys, liver, etc.). Do you wish to be maintained on life- supportwhen death would otherwise be imminent in the absence thereof? 4.2 BloodTransfusions Do you object to blood transfusions, even if necessary tosave your life? 5.0 Informant Identify one person and an alternate alongwith address, telephone number and any other relevant contactinformation that will be responsible for making decisions upon yourdisability and/or death. 6.0 Funeral Arrangements. 6.1 How Do you planon being buried or cremated? If cremated, skip to 6.2.1 6.1.2 Burial,Where Where will you be buried? 6.1.3 Payment plan Is your cemetery plotpaid for? 6.2.1 Cremation Where will your remains go? 6.3 Funeral, WhereWhere do you wish your final services to be held (i.e. church, mortuarychapel, gravesite, indoor private service)? 6.3.1 Corpus at Funeral Willyour body be present for your funeral service? 6.3.2 Wake Will there bea viewing or wake the night before? 6.4 Who Do you have an agreementwith a funeral home, or a preferred funeral home that you wish contactedin the event of your death? 6.4.1 Prearranged Funeral Do you have apre-need file established with any particular funeral home?

[0356] The foregoing are merely sample questions that may be asked inportions of a data collection session.

EXAMPLE 3

[0357] A non-limiting example of a portion of a narrative program flowchart for registering and gathering information for EOLP is providedbelow.

[0358] A. REGISTRATION PROCESS

[0359] 1. OBTAIN AND STORE CLIENT BILLING INFORMATION,

[0360] INCLUDING PASSWORD

[0361] 2. ESTABLISH ACCOUNT

[0362] 3. PAYMENT CONFIRMED?

[0363] 4. IF NO, Advise User

[0364] IF YES, EMAIL CLIENT ACCOUNT NUMBER & PASSWORD

[0365] (Send via regular mail at client option)

[0366] B. DATA GATHERING SESSION: CLIENT ACCESSES SITE/OR PROGRAM, ANDENTERS CLIENT NUMBER AND PASSWORD

[0367] 1. PASSWORD MATCHES ACCOUNT NUMBER?

[0368] IF NO, Advise User

[0369] IF YES, RECALL CLIENT DATA AND INITIATE INTERACTIVE DATAACQUISITION PROGRAM

[0370] 2. HAS CLIENT USED PROGRAM BEFORE?

[0371] IF NO, GO TO NEXT STEP (#3)

[0372] IF YES, Skip to step 4

[0373] 3. INITIATE DATA ACQUISITION PROGRAM (INTERACTIVE QUESTIONAIRE),STORE DATA AS COLLECTED, GENERATE “TO DO LIST” AND “REFFERAL LIST”

[0374] 4. PROVIDE CLIENT WITH MENU

[0375] A. REVIEW ACCOUNT DATA

[0376] B. RESUME PLANNING ASSESSMENT PROCESS WHERE YOU STOPPED (Go tostep 3)

[0377] C. ENTER DATA REQUESTED ON “TO DO LIST” GENERATED FROM PRIORSESSION

[0378] D. SELECT FROM LISTS OF CATEGORIES TO ENTER DATA

[0379] 5. ASK CLIENT IF THEY WANT INTERIM OR COMPLETE REPORT SENT TOPARTICULAR PERSON(S)

[0380] 6. ASK CLIENT IF THEY WISH FOR PRINTED INTERIM OR COMPLETE REPORTTO BE SENT TO THEM BY MAIL

[0381] 7. DOES CLIENT WISH FOR COMPUTERIZED RECORD TO BE DESTROYED AFTERRECEIPT OF PRINTED COPY CONFIRMED?

[0382] 8. WOULD CLIENT LIKE TO HAVE REFERRALS TO END OF LIFE PLANNINGRESOURCES?

[0383] IF YES, INITIATE REFERRAL PROGRAM TO IDENTIFY RESOURCES THAT MAYBE HELPFUL TO CLIENT AND SEND CLIENT NAME, EMAIL AND/OR PHYSICAL ADDRESSTO RESOURCES, PROVIDE RESOURCE INFORMATION DIRECTLY TO CLIENT AND ALLOWCLIENT TO ACCESS RESOURCES DIRECTLY VIA WEB SITE, OR DIRECTLY LINKCLIENT TO RESOURCE WEB SITE

[0384] IF NO, end session, and forward reports requested by client.

[0385] C. FOUR POINTS OF FINAL ESTATE PLANNING DATA ACQUISITION PROGRAM(INTERACTIVE QUESTIONAIRE)

[0386] THE FOLLOWING INTERACTIVE QUESTIONAIRE ASKS QUESTIONS DESIGNED TOGATHER DATA NEEDED TO ASSESS WHETHER OR NOT ALL FOUR POINTS OF FINALESTATE PLANNING HAVE BEEN ADEQUATELY MET. WHETHER OR NOT YOU ARESATISFIED WITH YOUR END OF LIFE PLANS IS SUBJECTIVE. HOWEVER, BYANSWERING THESE QUESTIONS AS COMPLETELY AS POSSIBLE, YOU CAN GAIN ABETTER UNDERSTANDING OF OPTIONS AVAILABLE AND THEIR COST, THE STATUS OFYOUR END OF LIFE PLANS, AND HAVE PEACE OF MIND THAT, WHATEVER YOUR PLANSARE, SOMEONE WILL KNOW THEM AND BE CHARGED WITH CARRYING THEM OUT.

[0387] THE FOLLOWING QUESTIONS ARE BROKEN INTO FOUR CATEGORIES:

[0388] 1. WHAT ARE YOUR ASSETS?

[0389] 2. WHAT ARE YOUR LIABILITIES (FISCAL AND OTHERWISE)?

[0390] 3. WHAT DO YOU WANT DONE WITH YOUR BODY BEFORE AND AFTER DEATH?

[0391] 4. WHAT PROVISIONS HAVE YOU MADE FOR HANDLING YOUR ASSETS,LIABILITIES AND BODY SHOULD YOU BE DISABLED OR DIE?

[0392] The foregoing is merely exemplary of a portion of a narrativeprogram outline for accomplishing an embodiment of the presentinvention.

EXAMPLE 4

[0393] As is readily evident from the foregoing examples, there are avariety of ways to describe and implement the present invention. Adescription of an alternative embodiment follows.

[0394] The 4 Points of Final Estate Planning (4 Point FEP) system can beimplemented via a Final Estate Planning Check List and associatedprogramming to give families worldwide access to a complete final estateplanning system that can be part of a complete EOLP system. This 4 PointFEP system methodically determines what points of preparation have beensuccessfully completed as well as reveals those plan components thathave yet to be made. In order to assist clients in completing plancomponents that have not been initiated or completed, the systemprovides for vendor referrals directly, via hyperlink and/or e-mail.Service providers are referred from the local community of the clientand/or from within the community that the one in need of services lives(i.e., long distance caregiving). This system enables clients not onlyto complete the final estate preplanning process, but also to personallycustomize a final estate and/or EOL plan by utilizing their own uniquefinancial circumstances and individually pertinent information that theyprovide in the process.

[0395] Clients that register with deni™ and submit payment are thenissued a permanent file identification number (via e-mail). Clients areinvited to re-enter the site (e.g., http://www.deni.net) and areforwarded to a 4 Points of Final Estate Planning Check List to begin thedocumentation and completion of their final estate preplanning process.Within a secured location, a database stores all the informationobtained from the client, allowing them to return to their file in orderto update, make changes and/or to complete the process. Once all of thecheck list components have been completed, a copy of the file number canthen be forwarded to (a) the person listed in charge of futurearrangements, (b) an attorney selected by client, and/or (c) an end-oflife provider. This is done only if requested by client at the time thefile is completed (via an automatic forwarding system using internettechnologies). This enables future survivors/caregivers access to allvital information required when a medical emergency and/or death doesoccur. The client is also encouraged to print out copies of their FinalEstate Planning Summary and Assessment, created by Deni's automatedsystem, or from a professional planner that has evaluated theinformation provided to deni™, based upon their individual preplanningassets and needs.

[0396] An embodiment of an EOLP program is described below whichincludes steps to perform the deni™ FEP 4-point system.

[0397] #1 Registration

[0398] The client is requested to list, in response to prompts,information including: e-mail address, full name, complete date of birthand location, address, city, state, zip code, phone number, number ofyears at current residence, social security number, spouse's full name(and maiden name), current age, total number of years employed to date,occupation, name of employer and type of business, as well as father'sfull name and birthplace, mother's full name and birthplace.

[0399] #2 Completing Registration

[0400] After the registration form is complete, the client is promptedto establish a personal logon code, as well as a password. The client isasked to complete a payment processing form which will allows submissionof payment via secured internet payment processing technology.

[0401] #3 Confirmation

[0402] An e-mail confirmation and welcome letter is sent to the clientas receipt of payment. Within that letter, a personal access number (orcode), generated by information provided by the client, is given to theclient, which consequently provides him/her access to their files. Thiscode can be used at any time by the client to gain entry to the securedsection of the site to begin or continue processing of their FinalEstate Planning Check List (based on 4 Points of Final Estate PlanningSystem).

[0403] #4 Acquisition of Client EOLP Data

[0404] The client returns to the “4 Point” site location and types inhis/her code and is automatically sent to the next step.

[0405] #5 Asset Data Acquisition

[0406] Point number 1 of the 4 point process appears on screen: “What isto happen to your assets?” (asset allocation). The client is requestedto list all assets in response to prompts: i.e., all personal propertysuch as furniture, jewelry, cars, monies held in banks, trusts andmutual funds, insurance policies (e.g., those personally purchased orprovided by employer, including life, term, burial and mortgage),stocks, bonds, annuities, retirement accounts and vehicles that theyown. Possible future inheritances and other items that the client mayacquire can also be entered. The client is prompted to provide the namesof companies/firms (used to hold monies), addresses, phone numbers,policy numbers, account numbers, total monies held, the estimated valueof each individual asset listed, and the location of the asset ordocuments evidencing asset ownership or entitlement.

[0407] #6 Processing Assets

[0408] The program saves the asset data, totals the amounts insertedwithin an estimated value section, saves that total, and inserts thetotal into the Final Estate Planning Assessment Report, which will beprovided to client at the end of the final estate planning processwithin the “assets allocation-total of current assets” section.

[0409] #7 Optional Save Step

[0410] The client is prompted, at any time within the process, to savelisted data within that page so that completion of forms can take placeat another time, if needed. An automatic data saving function can beexecuted periodically to keep users from losing data entered but not yetsaved.

[0411] #8 Continuing

[0412] The system tracks where the client last ended in the process, andthe client is then taken automatically to the next step within theprocess. Point number 2 of the “4 Point” process appears on screen. “Howhave you provided for your responsibilities?” (fiscal, ethical and moralresponsibilities)

[0413] #9 Gathering Obligation Information

[0414] The client is requested to list all debts, including lender name,address, phone number, amount owed, account number, etc., with separateprompts for mortgages, credit cards, car loans, and for listing anyitems not specifically requested, number of minor children and ages,list future care givers, estimate amount needed to provide for childrenuntil age 18 and/or through college, estimate spouse's support for aminimum of five years (program will include a module, show a chartlisting how to calculate this amount), number of pets and their futureplacement, as well as promptings to list names, addresses and phonenumbers for anyone for whom they hold power of attorney or to which theymay be potentially obligated.

[0415] #10 Processing Obligation

[0416] The program saves client obligation data, then totals the amountsprovided by the client within the “$ owed” section. The total is savedand inserted into the Final Estate Planning Assessment Report to beprovided to the client at the end of “4 Points” of final estate planningprocess within the “fiscal and moral responsibilities” section total ofcurrent debts section. Noting the possible need for additional insurancecoverage required by the client, the client is referred to a list ofpreferred insurance vendors/financial planners within the deni™ database, located in the client's zip code area, or the client can authorizevendor referral by deni.net. The client can then gain direct contactwith the selected vendor(s) via an e-mail or hyperlink letter statingthat they were referred by deni™, noting the area(s) of current need.

[0417] #11 Continuing

[0418] The system tracks where the client last ended in the process andthen the client is taken automatically to the next step within theprocess. Point number 3, step 1, of the “4 Poinf” process appears onscreen. “What do you want done with your body before and after death?”(end-of-life provisions)

[0419] #12 Assisted Living and Corporal Disposition

[0420] The client is then educated on the role of assisted livingservices and long-term health care coverage within the end-of-lifepreplanning process. The client is requested to list all promptedinformation, stating if they currently have long term care coverageand/or any medical insurance funding, as well as list for each providerthe name, address, phone number, policy number, and type of coverage.

[0421] #13 Referral

[0422] If no or inadequate insurance plans are listed, the program willsave the data, and the client is referred to a listing of preferredinsurance resources, and long term care and medical providers from thedeni TM data base, preferably located within or close to the client'szip code area. The client can then gain direct contact with the selectedvendor(s) via an e-mail or hyperlink letter stating that they werereferred by Deni, noting the area(s) of current need, and/or completeprice comparisons to make a selection at that time.

[0423] #14 Medical Insurance

[0424] The system tracks where the client last ended in the process, andthe client is taken automatically to the next step within Point number3, step 1, of the “4 Point” process which appears on screen promptingthe client to complete the selection process for a medical insurancecoverage provider. The program saves the data and inserts it, at thecompletion of this process, into the Final Estate Planning AssessmentReport to be provided to client at the end of “4 Points” of final estateplanning process within the “end-of-life provisions” section.

[0425] #15 Organ Donation

[0426] The system tracks where the client last ended in the process andthe client is taken automatically to the next step within the process,Point number 3, step 2, of the 4 point process appears on screen. Theclient is then educated on the importance of and need for organdonation(s), and requested to list all prompted information neededregarding future organ donation, if desired, as well as providing alisting of the client's name, address, city, state, current doctor'sname and contact information and phone number of next of kin to becontacted with a request by the client to be considered for organ orland tissue donation and/or giving a brief list of only “these organs tobe considered”.

[0427] #16 Organ Donation Card

[0428] The program saves organ donation data and the organ donation datais inserted into a wallet size card format for the client. The client isprompted to print out their personalized organ donor card with theirdesired requests and the information supplied in step #15, and asked ifthey would like a laminated card to be mailed to them.

[0429] #17 Continuing

[0430] The program saves the client's data and processes the data forinsertion into the Final Estate Planning Assessment Report to beprovided to client at the end of the “4 Points” of final estate planningprocess within the “end-of-life provisions” section.

[0431] #18 Living Will

[0432] The system tracks where the client last ended in the process, andthe client is taken automatically to the next step within Point number3, step 3, of the “4 Point” process that appears on screen. The clientis then educated on Living Wills/Advance Healthcare Directives withDurable Powers of Attorney for Healthcare. The client is requested tolist all prompted information needed to complete the Living Will/AdvanceHealthcare Directive with Durable Power of Attorney for Healthcare Form.This form also requests the name, address, city, state, zip code, phonenumber of the client (these data fields should have been completedduring registration so can be copied automatically), as well as thename, address, city, state, and phone number of (a) one primary personto represent them in a medical emergency, and (b) one secondary personto represent them in an medical emergency. The client is then promptedto check off their desired wishes regarding life support, bloodtransfusions, and the person they designate to be named, after death, asthe person in charge of future arrangements. They are also prompted tocreate a brief statement documenting how they would wish to be cared forby future caregivers.

[0433] #19 Living Will/Advance Healthcare Form Generation

[0434] The program saves data that was inserted and prepares a multipage document which includes areas that will enable the client to (a)sign and date, within the presence of three witnesses, or (b) sign anddate within the presence of a notary public.

[0435] #20 Living Will Printout

[0436] The client is then prompted to print out their personalizedLiving Will/Advance Healthcare Directive with Durable Power of Attorneyfor Healthcare Form

[0437] #21 ID Card Printout

[0438] The program prompts the client to print out a wallet sizeinformation card stating: ‘“CLIENT NAME” has completed an AdvanceHealthcare Directive and Durable Power of Attorney for Healthcare Form.Please Contact: “CONTACT NAME (S)”, and the ID card provides otherinformation, such as address(es) and phone number(s). For example, bothsides an exemplary ID card are provided below:

[0439] #22 Continuing

[0440] The program saves data including whether or not a form and/or IDcard was printed out.

[0441] #23 Prearranged Cremation/Funeral Arrangements

[0442] The system tracks where the client last ended in the process andthe client is taken automatically to the next step within Point number3, step 4a, of the “4 Point” process which appears on the screen asprearranged cremation/funeral arrangements. The client is then educatedon funeral, burial, and cremation options. The client is requested tolist all information as prompted to provide information required bystate departments of health for the completion of a certified deathcertificate. The program's automated system shows all informationcompleted within the registration process, and requests that the clientlist the name address, and phone number of the firm that will be askedto pick up the body (i.e., funeral home, cemetery, etc.) after the deathtakes place.

[0443] #24 Referral to Healthcare Providers

[0444] If no healthcare provider is listed by the client, the programwill save the data entered and the client is referred to a listing ofpreferred deathcare firms/providers within the deni™ data base,preferably located in or close to the zip code of the client. The clientcan then gain direct contact with the selected vendor(s) via an e-mailor hyperlink letter stating that they were referred by deni, noting thearea(s) of current need, and/or complete price comparisons to make aselection at that time.

[0445] #25 Continuing

[0446] The system tracks where the client last ended in the process andthe client is taken automatically to the next step within Point number3, step 4a, of the “4 Point” process that appears on screen promptingthe client to complete the selection process for a deathcare serviceprovider including current e-mail address listed within deni's database. The program saves that data and inserts it at the completion ofthis process into the Final Estate Planning Assessment Report to beprovided to client at the end of “4 Points” of final estate planningprocess within the “end-of-life provisions” section.

[0447] #26 Post Death Arrangements

[0448] The system tracks where the client last ended in the process &the client is taken automatically to the next step, Point 3 Step 4b. Theclient is requested to list all information as prompted to assist futurecaregivers/survivors in making funeral, cremation and burialarrangements. The client is asked for a current end-of-life fundingbudget; how expenses are to be paid, (i.e., insurance, cash etc.) or ifany have been prepaid, listing name, address, city, state, phone number,and file number of those prepaid plans; cemetery plot locations, funeralplans, if they are to buried or cremated; name, address and phone numberof the location they are to be buried; what is to be done with theircremated remains if cremated, what type of service will they have(church, mortuary, grave side or private arrangement determined byfamily); will their body be present for the service; is there anythingthey'd like buried/cremated with them; the name address, and phonenumber of the person to perform service; the name, address and phonenumber of the location they would like the service held; the name,address, city, state, zip code, phone number, and relationship of theperson they have listed in charge of completing and carrying out theirfinal interment requests; and what type of container or casket will beused (i.e., wood or metal)?

[0449] #27 Casket Selection

[0450] The client is then prompted to select to (a) purchase a casketfrom a funeral home or (b) purchase a casket from a wholesale vendor. If‘purchase from whole sale vendor’ is selected, the program will save theprovided data and the client is referred to a listing of wholesalecasket vendors within the deni™ database, preferably in or close to theclient's zip code. The client can then gain direct contact with theselected vendor(s) via an e-mail or hyperlink letter stating they werereferred by Deni, noting the area(s) of current need and/or completeprice comparisons to make a selection at that time.

[0451] #28 Continuing

[0452] The system tracks where the client last ended in the process andthe client is taken automatically to the next step within Point number3, step 4b, of the “4 Point” process that appears on screen, promptingthe client to complete the selection process for a deathcare serviceprovider-casket. The program then saves that data and inserts the dataand completion of this process into the Final Estate Planning AssessmentReport to be provided to client at the end of “4 Points” of final estateplanning process within the “end-of-life provisions” section.

[0453] #29 Corporal Disposition

[0454] The system tracks where the client last ended in the process andthe client taken automatically to the next step. Point 3, Step 4c. Theclient is then requested to list all information as prompted to assistfuture caregivers/survivors in completing funeral, cremation, and/orburial arrangements. The client is asked if the place determined forinterment is (a) within the area they live or (b) out of state. If outof state is selected, the client will be prompted to complete the nameaddress and phone number of the receiving deathcare service provider orrelative.

[0455] #30 Corporal Disposition Referral

[0456] If no name, address, or phone number is listed for corporaldisposition, the client is referred to a listing of preferred providerswithin the deni™ data base, preferably in or close to the zip code ofthe client. The client can then gain direct contact with the selectedvendor(s) via an e-mail or hyperlink letter stating they were referredby deni™, noting the area(s) of current need and or complete pricecomparisons to make a selection at that time.

[0457] #31 Continuing

[0458] The system tracks where the client last ended in the process andthe client is taken automatically to the next step within Point number3, step 4c, of the “4 Point” process which appears on screen promptingthe client to complete the selection process for a deathcare serviceprovider. The program saves the data and inserts it at. The completionof this process into the Final Estate Planning Assessment Report to beprovided to client at the end of “4 Points” of final estate planningprocess within the “end-of-life provisions” section.

[0459] #32 Other Post Death Plan Details

[0460] The system tracks where the client last ended in the process andthe client is taken automatically to the next step Point 3, Step 4d. Theclient is requested to list information as prompted to assist futurecaregivers/survivors in completing funeral, cremation, and burialarrangements. The client is asked how many death certificates will beordered by the deathcare service provider, if they will using veteransburial benefits to gain assess to free cemetery property for themselvesand/or their spouse (if “yes,” the client completes the section withinthe form requiring a listing of veterans serial number, date, and placeof induction and discharge, branch of service, and in which war orconflict they served).

[0461] #33 Continuing

[0462] The program saves the data and inserts the data at the completionof this process into the Final Estate Planning Assessment Report to beprovided to client at the end of “4 Points” of final estate planningprocess within the “end-of-life provisions” section.

[0463] #34 Documenting and Funding Plans

[0464] The system tracks where the client last ended in the process andthe client is taken automatically to the next step. Point number 4a, ofthe “4 Point” process appears on screen. “What have you done to documentand fund all of the above?” The client is then educated on theimportance of wills and or living trusts. The client is requested tocheck off as prompted information needed to complete the final estatepreplanning process, i.e., have they completed a will, a pour over will,advance healthcare document (available earlier in the program), and aliving trust, as well as listing the name, address, and phone number ofthe attorney/legal firm that assisted in that process.

[0465] #35 Referral to Legal Resources

[0466] If no will or living trust is listed by the client, the programwill save the data entered, and the client is referred to a listing ofpreferred legal resources within the deni data base, and in or close tothe zip code of the client. This referral, as with others, is preferablycontingent on the client acknowledging a disclaimer. The client can thengain direct contact with the selected vendor(s) via an e-mail orhyperlink letter stating they were referred by deni.

[0467] #36 Continuing

[0468] The system tracks where the client last ended in the process andthen the client is taken automatically to the next step within theprocess. Point number 4, step 4a, of the “4 Point” process which appearson screen prompting client to complete the selection process for a legalservice provider. The program saves that data and inserts the data atthe completion of this process into the Final Estate Planning AssessmentReport to be provided to the client at the end of the “4 Points” offinal estate planning process within the “end-of-life provisions”section.

[0469] #37 Funding Plans

[0470] The system tracks where the client last ended in the process andthe client is taken automatically to the next step within Point number4, Step 4b. The client is requested to list as prompted informationneeded to assist future caregivers/survivors in completing the fundingof future funeral, cremation and burial arrangements. The client isasked to check that all beneficiaries listed on current policies andaccounts have been brought up to date, and if they have futurefuneral/cremation arrangements prepaid, to list the name, address, city,state, and phone number of the provider.

[0471] #38 Burial/Funeral Insurance Referral

[0472] If there are no future arrangements prepaid by the client, theprogram will save the data and the client is referred to a listing ofpreferred burial insurance/prepaid funeral plan providers from the deni™data base, preferably located in or near the zip code of the client. Theclient can then gain direct contact with the selected vendor(s) via ane-mail or hyperlink letter stating they where referred by deni™, notingthe area (s) of current need and/or complete price comparisons to make aselection at that time.

[0473] #39 Continuing

[0474] The system tracks where the client last ended in the process andthe client is taken automatically to the next step within Point number4, step 4b, of the “4 Point” process that appears on screen promptingthe client to complete the selection process for a prepaid serviceprovider. The program saves that data and then inserts the data at thecompletion of this process into the Final Estate Planning AssessmentReport to be provided to the client at the end of “4 Points” of finalestate planning process within the “end-of-life provisions” section.

[0475] #40 Forwarding of Data to Funeral Provider

[0476] The system tracks where the client last ended in the process andthe client is taken automatically to the next step within Point number4, Step 4c. The client is asked if they would like to have both theirvital statistics and funeral service information provided in Pointnumber 3, 4 a, b, c and d of the final estate planning check listforwarded to the funeral service provider selected, and to set up apreneed funeral service file. If the client checks “yes,” the e-mailaddress listed for that service provider from the deni™ database, willbe shown. The client is then able to, via e-mail, forward the desiredinformation, at that time, directly to the firm they have listed tocomplete that process. An optional confirmation/follow-up program modulemay be implemented here.

[0477] #41 denicard™

[0478] The system tracks where the client last ended in the process andthe program saves that data and inserts the data and completion of thisprocess into the Final Estate Planning Assessment Report to be providedto the client at the end of “4 Points” of final estate planning processwithin the “end-of-life provisions” section after which time the clientis taken automatically to the next step. The client is prompted to printout their personalized deni™ Emergency Identification Card, ordenicard™, listing their access code number provided within theregistration process, and optionally their name, address, city, state,phone number. The denicard™ also provides contact information andinstructions for communicating with the contact.

[0479] #42 Print Out Assessment Report

[0480] The client has now completed the “4 Points” of Final EstatePlanning Check List. The client is invited to print out theirpersonalized Final Estate Planning Assessment Report that includes:

[0481] Letter of congratulations, including client's name and filenumber.

[0482] A listing of all vital statistics provided during theregistration process.

[0483] A listing of all data provided regarding assets within Pointnumber one, under the heading of asset allocation. This listing includesa total of the dollar value(s) of assets provided by the client.

[0484] A listing of all data provided regarding responsibilities anddebts within Point number two under the heading of fiscal, ethical andmoral responsibilities, including a total of the dollar value(s) owed.

[0485] A listing of all information provided within point number three,under the heading of end-of-life provisions.

[0486] A listing of all information provided within point number four,under the heading of end-of-life provisions.

[0487] A listing of all the areas not completed within each point withnotes to the client regarding these deficiencies.

[0488] A listing of all registered deni™ service providers within theclient's zip code area.

[0489] #42 Plan Forwarding

[0490] The client is then asked if they would like a copy of theircompleted fileand/or, or their file number/access code sent to (a) theperson(s) listed in charge of future arrangements, and/or (b) anattorney selected by client. The client is then able to, via e-mail,forward the desired information (i.e., file, access code and/or filenumber) at that time, to the individual(s) that they list. This is doneby the client submitting the addressees name, address, city, state,phone number, and e-mail address within the space provided.

[0491] #43 Client Data Storage

[0492] The program saves that data and inserts the data at thecompletion of this process into the Final Estate Planning AssessmentReport to be retained within the deni TM client database. All clientinformation now housed within the deni™ database can be accessed by: theclient, the assigned caregiver(s)/person(s) listed in charge of futurearrangements, the assigned attorney, the coroners office, and/oremergency medical personnel. Files can be removed from the system at therequest of the client, or certification of the death of the client.

[0493] The 4 Points of Final Estate Planning is a simplified preplanningsystem and questioning process that assists families, care givers,attorneys, funeral directors, health care providers and insurance agentsin determining what has been taken care of and what has yet to be done.Although not everything can always be planned for in advance, this finalestate planning system is designed to ensure that the emotional,physical and financial needs of the one dying and of future survivorswill be met.

[0494] However, since all of the industries involved in providing someform of service to those preparing for end-of-life are accustomed toworking independently of each other, families are now given a singleplace to go to that will assist them with assessing all planningcomponents taking into account their own life style andcircumstances—before a painful event. The 4 Points of Final EstatePlanning changes the current paradigm and unites all industries withinthe final estate planning process into one common goal/result. deni™Resources takes the 4 Point system and integrates it into acomprehensive network of final estate planners and other resources.

[0495] As used herein, assets includes but is not limited to any and allpersonal property, money, insurance policy benefits, vehicles, possiblesocial security benefits, future inheritances etc. Obligations includesbut is not limited to monies owed, i.e., (bills don't die because wedo), requirements for maintaining the standard of living for survivingspouse and or minor children, pets, or any other legal or moralcommitments or desires. Assisted Living and Corporal Disposition Plansincludes but is not limited to assisted living and/or long term healthcare, life support instructions, advanced care directives, organdonations, funeral, cremation and or internment arrangements. Fundingand Documentation of EOC Plans includes but is not limited to applyingassets, such as savings, investments, long term care and life insuranceto cover debts and comprehensive advance health care directives statingall end-of-life wishes, i.e., life support, pain control, who's incharge even after the death, blood transfusions, organ donor requests,living trusts, wills, powers of attorneys, living trusts, preplannedfuneral & internment arrangements, etc.

[0496] The 4 Points of Final Estate Planning System address many of therepeatedly overlooked aspects of final estate planning. Designed to be acompletely integrated and automated system, representing the bestinterest of the public, this model via Deni (a death education needinformation resource) will educate families in all aspects of finalestate planning without conflict of interest, while also educating themto the importance of preplanning before a painful event takes place.Families/end-of-life care professionals that are either planning ahead,facing a death or have just experienced a loss are given access andvital information to assist them via 8 departments:

[0497] a. member services (a nationwide program to target, enroll & listwithin the directory professionals that specialize in any form ofend-of-life care and services allowing them to network with each other.The system also allows users to keep each other up to date on industrychanges etc.)

[0498] b. healthcare providers (national directory of hospitals, careorganizations, hospices palliative care providers, etc.);

[0499] c. coping with loss (grief articles, resource listing, directoryof bereavement professionals & resources nationwide, etc.);

[0500] d. death care services (burial, cremation, burial insurance,caskets, funeral trusts, directory of funeral service providersnationwide etc.);

[0501] e. aging services resources & current issues & organizations(state & federal related programs, i.e., victim's assistance etc.);

[0502] f. estate planning legal (wills, living trusts, living wills &online ordering forms, directory of estate planning attorneys nationwideetc.);

[0503] g. gifts of love (i.e.,: articles on organ donation, on-lineorgan donor cards and new break throughs within the end-of-life careprofession, flower ordering services, e-cards, books, kits, on-lineorgan donor cards etc.); and

[0504] h. end of life pre funding options (insurance, long term care,assisted living, prepaid interment arrangements).

[0505] While exemplary embodiments of the invention have been described,numerous variations are envisioned to fall within the scope of thefollowing claims.

I claim:
 1. A device for providing and obtaining information about theowner or bearer thereof, comprising: a first medium for storinginformation, and identity information stored on said first medium,wherein said identity information includes a code for identifying theowner or bearer of the device and contact information, said contactinformation comprising instructions for communicating with a contactentity, wherein, in the event of the incapacity or death of the owner orbearer of the device, communication of said code to said contact entitycauses instructions stored by said owner or bearer relating to theincapacity or death of same to be implemented, wherein said instructionscomprise at least one of the group consisting of: information requiredto complete a death certificate, health insurance information, organdonation desires, funeral information, long term care desires, a livingwill, life insurance information, family information, and representativeinformation.
 2. The device of claim 1, wherein said device includeswords to advise a viewer thereof to communicate said code to saidcontact entity in the event of the incapacity or death of the bearer. 3.The device of claim 1, wherein said contact information comprises atleast one of the following contact communication details: a phonenumber, an email address, a facsimile number, a physical mailingaddress, and an internet address.
 4. The device of claim 1, wherein saididentity information is not damaged by contact of said device withwater.
 5. The device of claim 1, further comprising a second medium forstoring information, said second medium selected from the groupconsisting of an electronic data storage device and a magnetic datastorage device, wherein said second medium can be used to storeinformation about the assisted living and final estate plans of thebearer or owner.
 6. The device of claim 5, wherein said second medium iscapable of accessing data stored at a location remote from the locationof said device.
 7. The device of claim 1, wherein said instructions areincorporated in a data file, said data file comprises final estate plansfor the bearer or owner of said device.
 8. A system for conducting lifeplanning, comprising at least one computer in operable relationship witha data storage device, a data input device, and a data output device,wherein a hierarchical set of interrogatories are incorporated into acomputer program that can be stored and implemented by said computer,wherein said system can be used to obtain, store, analyze, update andoutput information provided in response to said interrogatories, whereina method for end of life planning for assisting individuals to gatherinformation related to final estate planning can be performed, saidmethod comprising obtaining information in response to inquiriesorganized into a first, a second, a third and a fourth category, saidfirst category comprising inquiries about an individual's assets and thelocation of said assets, said second category comprising inquiries aboutthe individual's responsibilities, said third category comprisinginquiries about the individual's corporal plans in the event ofincapacity or death, and said fourth category comprising inquiries abouthow the individual desires said assets to be applied to meet saidresponsibilities and said plans and documentation expressing saiddesires.
 9. The system of claim 8, wherein said computer program isaccessible via an internet hub, wherein individuals may remotely accesssaid program, enter personal data, and store said data with said hub.10. The system of claim 8, further comprising an identity device forproviding and obtaining information about the owner or bearer thereof,said identity device comprising a first medium for storing information,and identity information stored on said first medium, wherein saididentity information includes a code for identifying the owner or bearerof said identity device and contact information, wherein said code islinked to information about the owner or bearer of said identity deviceprovided in response to said inquiries, and said contact informationcomprises instructions for communicating with a contact entity, saidcontact entity having access to said information about the owner orbearer of said identity device provided in response to said inquiries.11. The system of claim 10, wherein providing said code to said contactentity causes instructions relating to the incapacity or death of sameto be implemented, said instructions provided by the owner or bearer ofsaid identity device in response to said inquiries, wherein saidinstructions comprise at least one of the group consisting of:information required to complete a death certificate, health insuranceinformation, organ donation desires, funeral information, long term caredesires, a living will, life insurance information, family information,emergency contact information, medical history, and representativeinformation.
 12. The system of claim 10, further comprising a list ofend of life planning resources, said resources being linked to saidinquiries, wherein at least one of said inquiries is accompanied byinformation about at least one of said end of life planning resources toassist in answering the inquiry.
 13. The system of claim 8, furthercomprising data on end of life planning resources, said resources beinglinked to said inquiries based on subject matter, wherein at least oneof said inquiries is accompanied by information about at least one ofsaid end of life planning resources in a subject matter corresponding tothe subject matter of said inquiry to assist in answering the inquiry,wherein said system provides for individuals answering said inquiries tobe provided a vendor referral for a resource that will enable an inquiryto be answered.
 14. The system of claim 13, wherein data provided inresponse to said interrogatories can be updated by a vendor.
 15. Thesystem of claim 10, wherein said hub is linked to at least one internetsearch term selected from the group consisting of deni, deni.net, death,dying, disability, will, trust, probate, estate, funeral, casket, urn,cemetery, burial, grief, mourning, retirement, obituary, life insurance,health insurance, assisted living, and financial planning.
 16. Thesystem of claim 10, further comprising an assessment program foridentifying final estate or end of life plan deficiencies and for makingvendor referrals to assist in curing said deficiencies.
 17. The systemof claim 16, wherein said vendor referrals include a program foracknowledgement of a disclaimer of liability by said hub.
 18. The systemof claim 16, wherein said assessment program includes a checklist foridentifying final estate or end of life plan details and deficiencies.19. The system of claim 18, wherein information provided to completesaid checklist is automatically analyzed and vendor referrals are madeas needed automatically in response thereto.
 20. The system of claim 19,wherein said vendor referrals include referrals to at least one of thegroup consisting of an insurance provider, an investment advisor, afinancial planner, a funeral planner, a legal advisor, a casket vendor,an urn vendor, a florist, a crematory service vendor, a cemetery, a longterm care provider, an assisted living provider, a bank, a real estateagent, a retirement home, and a grief counseling provider, saidinsurance provider comprising a provider of at least one of the groupconsisting of health insurance, life insurance, disability insurance,funeral insurance, and burial insurance.
 21. The system of claim 19,wherein revenue can be raised by the operator of said system by at leastone of the group consisting of fees for vendor advertising, fees forlisting vendors on a preferred vendor list, fees for vendor referrals,sales commissions, fees for using the program to obtain and store data,fees for identity devices, fees for updating stored plan data, and feesfor implementing stored instructions.
 22. A method for end of lifeplanning for assisting individuals to gather information related tofinal estate planning, said method comprising obtaining information inresponse to inquiries organized into a first, a second, a third and afourth category, said first category comprising inquiries about anindividual's assets and the location of said assets, said secondcategory comprising inquiries about the individual's responsibilities,said third category comprising inquiries about the individual's corporalplans in the event of incapacity or death, and said fourth categorycomprising inquiries about how the individual desires said assets to beapplied to meeting said responsibilities and said plans anddocumentation expressing said desires.
 23. A kit for end of lifeplanning, comprising a series of inquiries accessible via computer or inpaper form, said inquiries comprising inquiries for assistingindividuals to gather information related to final estate planning, saidinquiries organized into a first, a second, a third and a forthcategory, said first category comprising inquiries about an individual'sassets and the location of said assets, said second category comprisinginquiries about the individual's responsibilities, said third categorycomprising inquiries about the individual's corporal plans in the eventof incapacity or death, and said fourth category comprising inquiriesabout how the individual desires said assets to be applied to meetingsaid responsibilities and said plans and documentation expressing saiddesires, said kit further comprising an identity card, said card havinga data field for a code corresponding to a particular entity andinformation for accessing said data provided in response to saidinquiries for a particular entity.
 24. A computer program for finalestate planning embodied in a computer readable medium, said computerprogram comprising: a user interface routine, said user interfaceroutine capable of providing questions and information to and receivinginformation from a user; a first storage routine coupled to said userinterface routine, said first storage routine comprising a plurality ofinteractive messages, each of said plurality of interactive messagesoperative to derive a response from a user, at least one of saidinteractive messages being related to a user's final estate plans; asecond storage routine coupled with said user interface routine, saidsecond storage routine operative to receive and direct the storage ofresponses to each of said plurality of interactive messages in a record;and a program logic routine coupled with said user interface routine andsaid first and second storage routines wherein said program logicroutine utilizes said user interface routine to present each of saidplurality of interactive messages to said user and receive eachresponse, said program logic routine including a storage routine tostore each response in said record, wherein said plurality ofinteractive messages further comprises first, second, third and fourthsubsets of interactive messages, said first subset comprisinginteractive messages about an individual's assets and the location ofsaid assets, said second subset comprising interactive messages aboutthe individual's responsibilities, said third category comprisinginteractive messages about the individual's corporal plans in the eventof incapacity or death, and said fourth category comprising interactivemessages about how the individual desires said assets to be applied tomeet said responsibilities and said plans and related documentation. 25.The computer program of claim 24, wherein said program logic routineincluding a routine to generate an access medium to said user, saidaccess medium being transferable to a transferee and comprising anauthorization to access at least part of said record from said secondstorage.
 26. The computer program of claim 25, wherein said programlogic is further operative to receive said authorization and providesaid record in response thereto.
 27. The computer program of claim 24,wherein at least one of said plurality of interactive messages iscoupled with a resource external to said computer program, said resourceoperative to assist said user to provide said response.